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Professional indemnity insurance safeguards businesses and consultants from legal claims and financial losses arising from alleged negligence, errors, or breaches of professional duty. This coverage typically includes legal expenses and compensation costs linked to claims of malpractice or misconduct. Additionally, it is a compulsory insurance for certain professions and industries.
Claims often arise from accusations of negligence, malpractice, or professional misconduct-such as providing incorrect or misleading advice, or carrying out actions that lead to unintended results. Other common reasons include breaches of copyright, intellectual property, or privacy laws, as well as failing to comply with consumer protection or fair trading regulations.
Public liability insurance is designed to protect you and your business should a customer, supplier or member of the public bring a claim against you for injuries or property damage caused by your negligent business activities.
As a business owner, you have a duty of care to any third party that comes into contact with your business and its activities. Businesses open to the public can be especially vulnerable to third party accidents, which can result in costly public liability claims.
