In today’s litigious society, Professional Indemnity (PI) Insurance
is a must if you are giving advice, services or designs.
Although it’s not a legal requirement, you may find that if you’re an architect, surveyor, accountant or solicitor, trade bodies will require you to have Professional Indemnity as a condition of joining, Insurance Brokers cannot trade without it!
Although not required by law, imagine being in a situation where your advice has resulted in your client being at a financial loss and on top of that, you having a hefty bill for your legal defence costs including any damages awarded to your client.
Common professions who take out Professional Indemnity are detailed below:
Design and Construction
Landscape design and Gardening
Negligence or breach of professional duty
Negligent misstatement or negligent misrepresentation
Defamation, libel or slander
Infringement of intellectual property right, other than patent and trade secrets
Dishonest or fraudulent acts or errors of any present or former employee (subject to exclusions)
Breach of any contractual or common law obligation of confidentiality, including invasion of privacy.
Inadvertent transmission of a virus
Any other civil liability
Any one claim
Costs in addition
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Abrams Insurance Services Ltd is a commercial insurance broker based in Essex and serving the country nationwide.
First Floor, Kings House, 101-135 Kings Road, Brentwood, Essex, CM14 4DR