Professional Indemnity
Protect your firm from claims of negligence, errors or omissions in your professional work — including legal defence costs, even when the claim is unfounded.
- Profession-specific wording
- Retroactive date protection
- Defence costs from day one
- Certificate for tenders & clients
Professional indemnity for advice-giving businesses
If clients pay for your expertise, advice or design, PI cover protects you when something goes wrong — even when you've done nothing wrong.
What a professional indemnity policy covers
PI policies are written on a claims-made basis with a retroactive date. Standard cover includes the below — we tailor extensions for your profession.
Negligence, errors & omissions
Defence costs and damages for actual or alleged breach of professional duty — wrong advice, mistakes, missed deadlines or omissions in your service.
Legal defence costs
Lawyer fees, expert witnesses, court costs and investigation expenses — even if the claim against you is groundless.
Breach of confidentiality
Claims arising from unintentional disclosure of client information or breach of data and privacy obligations.
Defamation & IP infringement
Libel, slander and unintentional infringement of copyright, trademark or other intellectual property rights in your work product.
Loss of documents
Costs to replace or restore client documents (physical or electronic) lost, damaged or destroyed while in your care.
Dishonesty of employees
Liability arising from dishonest, fraudulent or malicious acts committed by your employees in providing professional services.
The hidden risks in providing professional services
Clients now demand PI cover in contracts
Tender documents and master service agreements increasingly require minimum PI limits. We help you match wording and limits to the contract.
One mistake can wipe out a small firm
A single negligence claim can exceed annual revenue. PI transfers that risk to insurers and protects your business continuity.
Claims-made wording is tricky
PI is claims-made — the policy must be live both when the work was done (retroactive date) and when the claim is made. We make sure you don't have gaps.
Defence costs alone can be crippling
Even baseless claims cost six-figure sums to defend. PI covers legal fees from day one so you don't pay out of pocket.
From first quote to long-term renewal partner
Risk profile
Review your profession, services, revenue, client mix and any contractual limit requirements.
Market & compare
We approach leading PI insurers (Chubb, AIG, QBE, Liberty and Allied World), benchmark wording, retroactive date and exclusions.
Bind & document
Issue policy, certificate of currency for clients and supporting documents for tenders.
Renewal & claims
Ongoing claims support, mid-year contract reviews, and renewal negotiation to preserve retroactive cover.
Information we need to quote your PI policy
Send us the items below and we'll come back with a market comparison — usually within 3–5 working days.
- Profession / nature of services
- Company background and years in business
- Annual fee income (last 2–3 years)
- Headcount and qualifications of professionals
- Revenue split by geography (HK / China / overseas)
- Required limit of indemnity (contract requirement, if any)
- Past claims or circumstances in the last 5 years
- Existing PI policy schedule (if any)
An independent broker on your firm's side
We compare PI markets across local and international insurers to find the right wording, not the highest commission.
Different professions need different policy wording. We match cover to your activities — IT, design, advisory, regulated professions and more.
We read your client contracts and tender documents to make sure your PI limits, retroactive date and territory satisfy the obligations.
When a claim or circumstance arises, we coordinate with insurers and panel lawyers — speed matters under claims-made wording.
From sole practitioners to listed professional firms — limits and structure tailored to your stage.
Already insured? Why get an alternative quote from us
Renewing on auto-pilot is the easiest way to overpay or stay under-covered. A 5-minute alternative quote gives you three concrete wins.
Review your existing policy
We read your current schedule and flag warranties, sums insured or exclusions that no longer fit your operations — before they hurt a claim.
Reset to a clean-claim rate
Quotes typically only consider the last 3 years of claims history. If a past incident is older than that, you're effectively a clean risk — and that often unlocks a lower premium.
Get a commercial-line specialist
If your current agent mainly handles life or personal insurance, EC and commercial claims can fall outside their day-to-day. A commercial specialist follows up your claim end-to-end.
Professional Indemnity — answered
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Ready to protect your professional firm?
Tell us about your practice on WhatsApp — we'll come back with a tailored PI comparison.