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Why do you need the cover?
It is crucial for professionals, and those providing specialist advice, to employ specialised knowledge, skill, and care in their business dealings with their clients.
If acts (or omissions) are carried out negligently, professionals may be deemed liable for losses suffered by a third party.
It is imperative in today’s litigious age to have adequate insurance cover to protect individual professionals and their businesses from the financial fallout of such claims.
Who should buy the cover?
For some professions, it is compulsory to have professional liability to comply with regulations in the respective industries.
For others, although it is not a requirement, it is highly recommended, if the nature of the business is offering advice, knowledge, or skills as a service to third parties.
The professionals may include:
- Business consultants
- Call centre professionals
- Charity professionals
- Education advisors
- Health and safety consultants
- Insurance brokers
- Management consultants
- Public relations consultants
- Real estate brokers
Many other professionals can benefit from this insurance. If professional advice is offered, there is a need for professional indemnity insurance.