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Professional Negligence


What is Professional Indemnity Insurance?

Professional Indemnity Insurance provides essential financial protection and exists so that a 'professional' can concentrate on running their company with confidence. It is essential business protection. A typical Professional Indemnity policy will provide indemnity to the Insured against loss arising from any claim or breach of duty that may be made and reported to the Insurers during the policy period by any neglect, errors or omissions committed in the conduct of the Insured's professional business.

What is a Professional?

Previously clearly defined the responsibilities of the 'professional' have changed considerably. Traditionally, Accountants, Surveyors, Engineers, Solicitors and Architects, the main stream professions, were regarded as 'professional'. Modern reliance upon services provided by others, and the increased use of outside consultants, has greatly increased the scope of this term and a professional is now often regarded as any person who offers specialist advice, designs or offers a service in a professional capacity.

Why the need for Professional Indemnity Insurance?

In these times of high consumer awareness clients will not hesitate to pursue a claim if they feel they have received sub-standard advice or service. Many professions are required, by law, to have Professional Indemnity cover. However, an increasing number of self-employed professionals are now purchasing this cover for their own protection against a background of increasing likelihood of professional negligence claims. The need for Professional Indemnity Insurance has never been greater.

While some professional people see Professional Indemnity Insurance as an extra and an unnecessary overhead we know from experience that any professional can produce substantial claims. Court awards have and are continuing to rise considerably - without adequate insurance financial security of the business is threatened.

We can offer:

Comprehensive cover with limits up to €5M, any one claim or in the aggregate at competitive rates.

We have the facility to quote for a wide range of Professions including:

  • Accountants
  • Architects
  • Consulting Engineers
  • Design and Construct
  • Engineers
  • Estate agents
  • Health & Safety Consultants
  • Independent Financial Advisors
  • Insurance Brokers
  • IT Industry
  • Loss Adjusters
  • Laboratories
  • Management Consultants
  • Marketing Consultants
  • Miscellaneous - all classes
  • Surveyors

Click here to see full list of Professions that can be considered

Click here to apply for a quote