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FIVE SMART THINGS TO KNOW ABOUT PROFESSIONAL INDEMNITY INSURANCE

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1) PROFESSIONAL INDEMNITY INSURANCE IS REQUIRED FOR QUALIFIED PROFESSIONALS LIKE DOCTORS, ENGINEERS, ARCHITECTS, LAWYERS AND CHARTERED ACCOUNTANTS

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2) IT ASSURES THEM TOWARDS ANY FINANCIAL LOSS RESULTING FROM A CLAIM DUE TO UNINTENTIONAL ERRORS AND OMISSIONS COMMITTED BY THEM WHILE RENDERING PROFESSIONAL SERVICE.

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3) FOR THIS INSURANCE TO KICK IN, THE CONDITION IS THAT THE LOSS MUST BE TO A THIRD PARTY WHO HAS SUFFERED BODILY INJURY OR PROPERTY DAMAGE

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4) ONLY CIVIL LIABILITY CLAIMS ARE COVERED AND ANY LIABILITY ARISING OUT OF ANY CRIMINAL ACT OR ACT COMMITTED IN VIOLATION OF ANY LAW OR ORDINANCE IS NOT COVERED.

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5) PROFESSIONAL BODIES SUCH AS MEDICAL ESTABLISHMENTS, LAW FIRMS, IT COMPANIES OR FINANCIAL INSTITUTIONS CAN ALSO BE COVERED.

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