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Protect Your PracticeAgainst ProfessionalNegligence Claims

Negligence Claims Cover

Protection against professional liability claims

Defence Costs Included

Covers legal costs even if allegations are unfounded

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What is Professional Indemnity?

Professional Indemnity (PI) indemnifies professionals against legal liability arising from an error, omission or negligent act in the performance of their professional duties, where this results in financial loss, bodily injury or other harm to a client or third party. It also meets the costs and expenses of defending or settling a claim (with the insurer's consent). Cover responds even where allegations are unfounded — you don't have to be wrong to be sued.

Highlights

  • Indemnifies you against legal liability for error, omission or negligent acts in your professional duties.
  • Covers defence costs and expenses of defending or settling a claim.
  • Responds even where allegations are unfounded — you don't have to be wrong to be sued.
  • Includes free three-year run-off cover for claims from past insured activities.

What is Covered and Not Covered Under Professional Indemnity?

Professional Indemnity protects your practice against costly negligence claims and defence costs — even where allegations are unfounded. Toggle between the categories below to explore your cover.

1

Professional Negligence

Legal liability for breach of professional duty — negligence, error or omission in your professional work.

2

Claimant's Loss

Financial loss, bodily injury or other harm to a client or third party resulting from your professional act.

3

Defence Costs

Costs and expenses of defending or settling a claim, incurred with the insurer's consent.

4

Unfounded Allegations

Cover responds even where allegations are unfounded — you don't have to be wrong to be sued.

5

Wide Professional Range

Doctors, lawyers, engineers, architects, accountants, consultants, ICT specialists and more.

6

Limit of Indemnity

Indemnity up to your chosen limit of indemnity for covered claims.

Talk to a Liability Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your practice.

Eligibility & Requirements for Professional Indemnity

Eligibility Criteria
Specifications
Who Qualifies
Professionals and firms — doctors, lawyers, engineers, architects, accountants, consultants, ICT specialists and more.
Documents
Completed proposal form detailing profession, services, fee income, claims history and limit of indemnity.
Cover Scope
Legal liability for breach of professional duty resulting in financial loss, bodily injury or other harm.
Rating Basis
Profession, limit of indemnity, fee income/turnover, claims history and risk profile.

How to Buy APA Professional Indemnity?

1

Complete the Professional Indemnity proposal form with your profession, services and fee income.

2

Declare your claims history and choose your required limit of indemnity.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

Receive your policy with free three-year run-off cover included.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

Your legal liability for an error, omission or negligent act in your professional work, plus the costs of defending or settling the claim.

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