Your advice carries a liability long after you give it.
Professional indemnity (errors & omissions) and medical malpractice cover the cost of defending and settling claims arising from professional negligence, error or omission, bad advice, a flawed design, a missed diagnosis. Claims are made years after the work on a claims-made basis, and the Consumer Protection Act extends exposure to service professionals.
Exposure profile
Where this risk lands on your balance sheet.
The exposures we evaluate first when scoping a programme against this risk.
01
Professional negligence & E&O
Claims that your advice, work product or service caused a client financial loss.
02
Medical malpractice & indemnity
Treatment, diagnosis and duty-of-care claims against doctors and facilities.
03
Design & engineering defect claims
Liability for a flawed design, specification or certification.
04
Defence costs & long-tail exposure
Claims-made cover and run-off matter when a claim surfaces years later.
Industries most exposed
Who carries the most of this risk.
The sectors where this exposure is most acute, each links to its industry page.
Anybody paid for judgement rather than for a product: doctors, architects, engineers, accountants, consultants, designers. The exposure arises from advice or treatment being alleged to have fallen below a reasonable standard, and it attaches whether or not money changed hands directly.
Both, and the defence is the part people underestimate. Professional allegations are technical, contested and slow, and the cost of establishing that the work was competent is incurred whether or not it was. A successful defence is still an expensive one.
Longer than the engagement. A design defect or a diagnostic question can surface years later, which is why the retroactive date and continuity of cover matter on this risk more than on most. A gap between policies can strand a claim that arrives afterwards.
Not for the professional whose work is in question. A claim in negligence can be brought against the individual as well as the entity, and for regulated professions the disciplinary exposure is personal by definition.
The claimant is a patient, the injury is physical, and the regulatory and reputational dimensions run alongside the legal one. It also involves the acts of employed and visiting practitioners, so the exposure covers people whose work the institution does not directly control.
Find your cover
Five questions. A starting programme. No obligation.
Step 1 of 5
Are you placing cover for a business or for personal lines?
What is the scale of the operation?
Who is the cover for?
What worries you most? (pick up to three)
When does your current cover renew?
Anything specific we should know?
Optional. Sector, location, prior claim history, current insurer, whatever frames the engagement.
Your starting programme
Based on what you told us, here is the cover that fits.
This is a starting position, not a quotation. A short call with an advisor will refine it against your actual exposure, claim history and contract obligations.
Raksha AI’s note
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A guide to what an advisor weighs, not a price. Your exact premium is confirmed after a quick review.
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