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Professional Indemnity Insurance for every profession

PI Expert is pleased to be able to offer competitive premiums for professional indemnity policies that cover every profession. From Architects and Engineers, Independent Financial Advisers to Pole Instructors, Management Consultants to Environmental Consultants we can find the Professional Indemnity policy that is most suitable for you.

Talking to the Experts

At PI expert we believe that listening to our customers is one of the most important skills that we have. When you call our office you will be greeted by a real person who will talk through your Professional indemnity Insurance requirements and listen to your concerns.

Every Insurer, Every Policy

PI Expert is a specialist independent insurance broker. We have access to the whole market, including Lloyds of London and are able to provide professional indemnity insurance quotations for every profession. We are able to offer the best cover at competitive premiums from the insurer who offers the most suitable cover for your business.

Healthcare Professionals policy cover

Medical malpractice insurance is a combination of two covers – public liability insurance and professional indemnity insurance. The policy provides cover for claims arising from bodily injury (which would include mental and psychological damage, from both physical procedures) and from advice that the medical professional provides. Policies vary from underwriter to underwriter, and from profession to profession, but tend to fall into two categories;

Malpractice – providing cover for a policyholders legal liability arising out of any bodily injury, mental injury, illness, disease or death of any patient caused by a negligent act, error or omission committed by the insured in or about the conduct of the insured’s occupation or business. The policy will also generally cover Good Samaritan Acts. Note that the schedule of cover is likely to be very specific about what types of medical occupation are covered.

Treatment Risks – this type of policy is based on the public liability wordings and is extended to include breach of professional duty consequent upon any neglect, error or omission in providing advice, treatment or prescriptions or professional services.

One major difference between the two standard forms of contract is the basis upon which a claim may be made. Malpractice insurance, similar to professional indemnity is generally written on a “claims made” basis, whilst Treatment Risks are written on a “claims occurring” basis. This means that a Malpractice policy must be in place at the time that the treatment was carried out and also at the point which the claim is made. Cover between the treatment and claim must have been continuous. Treatment risks which are written on a claims occurring basis need only to have been in place when the act of negligence is carried out.

Where policies are written on a claims made basis, it is important to ensure that the policy includes retroactive cover, to provide for claims that may arise from previous work. It is also important to appreciate that upon retirement or cessation of business, if insurance has been held on a claims made basis, “run-off” cover will be required to protect the policyholder in future years against new claims.

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Case Studies

Clients often ask PI expert why they need to buy Professional Indemnity Insurance. We believe that the best way to explain where the risk lies is by using examples of people in similar trades.

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Our Services

We look after all sorts of people and all sorts of professions. From Architects to Accountants, Engineers to IT Professionals, Solicitors to Scientists, Tree Surgeons to Translators.

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