Your expertise is your asset. Protect it from negligence claims.
Coverage for legal liability arising from professional negligence, errors, omissions, and breach of duty in the provision of professional services and advice.
Professional Indemnity Insurance
Protection against claims of professional negligence
- Basis
- Claims-made
- Defense
- Covered from day one
- Retroactive
- Prior work covered
- Run-off
- Up to 6 years
Professional Indemnity Insurance
Protection against claims of professional negligence
Professional Indemnity (PI) Insurance protects professionals, consultants, and advisory firms against claims alleging negligence, errors, omissions, or breach of professional duty in the services they provide. When a client suffers financial loss due to your advice or work product, PI covers your legal defense costs and any damages awarded.
Essential for architects, engineers, accountants, consultants, IT service providers, and any business whose value lies in professional expertise. Many clients and government contracts now require PI coverage as a condition of engagement.
Coverage & Reach
Who It's For
Who Needs Professional Indemnity Insurance?
Engineering and architectural firms providing design services
Management and strategy consultants advising clients
IT companies delivering software development or integration
Accounting and financial advisory firms
Legal practices and professional service partnerships
Why It Matters
Key Benefits of Professional Indemnity Insurance
Legal defense costs covered from day one
Negligence and errors & omissions protection
Breach of professional duty coverage
Loss of documents and data coverage
Client requirement and contract compliance
Worldwide jurisdiction options available
What's Included
Coverage Features & Capabilities
Negligence Coverage
Protection against claims alleging failure to exercise reasonable skill and care in professional services.
Defense Cost Coverage
Legal defense costs paid as incurred, protecting your finances even if the claim is groundless.
Retroactive Coverage
Claims-made basis with retroactive date covering prior work, protecting against historical exposure.
Run-Off Cover
Extended reporting period for claims arising after retirement, merger, or cessation of practice.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Deliberate dishonest or fraudulent conduct
- Bodily injury or property damage (covered under GL)
- Fines, penalties, or punitive damages
- Claims arising from work performed before the retroactive date
- Insured vs. insured claims between partners
How It Works
Your Path to Protection in 4 Steps
Practice Assessment
We evaluate your professional services, client base, contract requirements, and claims history.
Limit Structuring
Appropriate limits set based on contract requirements, professional body rules, and exposure analysis.
Market Placement
Coverage placed with specialist PI underwriters familiar with your profession's risk profile.
Annual Review
Yearly review adjusts coverage for new service lines, contract wins, and regulatory changes.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Early Notification
Notify us of any claim, demand, or circumstance that may give rise to a claim as soon as you become aware. Early notification protects your coverage.
Coverage Confirmation
We confirm the claim falls within the policy period and retroactive date, and identify applicable limits and excess.
Defense Appointment
Specialist professional negligence defense counsel appointed to manage the response and protect your reputation.
Resolution
Claims resolved through negotiation, mediation, or court. Settlement requires your consent. Defense costs paid throughout.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Specialist PI underwriting for each professional discipline
- Defense costs covered from first notification, not after excess
- Retroactive date protection for prior work exposure
- Certificate issuance meeting client and government contract requirements
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
PI covers your legal liability for financial loss suffered by a client due to your negligent advice, errors, omissions, or breach of professional duty. It also covers defense costs even if the claim is unfounded.
Explore Further
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Industries Covered
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From the Knowledge Hub
Ready to Secure Your Professional Indemnity Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
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Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
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