Professionals are always at high risk of exposure to various allegations against professional negligence and misconduct on their own account which can lead to lawsuits. A lawsuit often results in an unexpected monetary loss which may often be difficult to absorb.nnProfessional indemnity insurance is an important type of business insurance, especially for businesses that give advice or provide a professional service to clients. It can cover compensation claims if a business is sued by a client for making a mistake that leads to financial loss.

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Professional indemnity insurance can cover a broad range of potential risks. What can seem like small errors can be hugely expensive, but professional indemnity insurance can help to safeguard your business.


Professional indemnity insurance can cover you for mistakes including professional negligence, unintentional breaches of confidentiality or copyright, and loss of documents or data.


For example, youu2019re passing on confidential client data but you accidentally copy the wrong person into the email. Or youu2019re an architect designing a house but you make a mistake in the plans and the house later collapses. In both cases, you could be sued by your client. The compensation payment will usually take into account the financial loss that the client has suffered due to your mistake.


Bear in mind, however, that professional indemnity insurance does not cover you for the cost of any reputation damage that the mistakes have caused.

it’su00a0employers’ liability insuranceu00a0that you need to cover employee claims for workplace injury.

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