Professional Indemnity Insurance
Your expertise is your liability. Cover it.
Professional indemnity cover for doctors, lawyers, engineers, architects, financial advisors, and consultants. One client complaint or alleged error can cost more than your annual revenue. We protect you from that outcome.
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Your profession determines the risk profile. We'll match you to the right underwriter.
Radical transparency
What’s covered. What’s not.
Covered (comprehensive plan)
Not covered (standard policy)
Professional Indemnity FAQS
What limit of indemnity do I need?
The right limit depends on your profession, the size of contracts you handle, and your professional body’s minimum requirements. As a starting point: lawyers and engineers typically carry KES 10–20 million; medical professionals KES 5–50 million. We will advise you on the appropriate limit for your specific practice — it is one of the most important decisions this policy involves.
PI is "claims-made" — what does that mean?
Unlike most policies, PI covers claims made during the policy period, not when the alleged error occurred. This means if a project from 3 years ago generates a complaint today, it falls under your current policy (subject to the retroactive date). Maintaining continuous cover without gaps is critical. We manage renewals proactively to ensure there are no gaps in your protection.
Do I need PI even if I work solo?
Yes — arguably more so. A solo practitioner has no firm’s resources to absorb a large claim. One significant negligence allegation can bankrupt an uninsured sole practitioner. PI cover costs far less than the legal defence bill for even an unfounded claim.