Insurance is always a complex deal as you will usually find words (jargons) that are hard to understand. Take for instance Professional Indemnity Insurance. What we usually know about this insurance is that it is essential for professionals and businesses that provide professional services to clients. However, there are deeper elements within this type of insurance that you need to understand so you are able to make the most out of the insurance protection you buy.
Here are a few terms you will encounter with Professional Indemnity Insurance that you need to understand:
Claims Made – the policies of this insurance are executed on claims made basis. Basically, what this means is that as long as your professional indemnity insurance policy is active, any claim made against you regardless of the time the work was carried out will be covered by your insurance policy.
Retroactive Date – since the insurance policy is written on claims made basis, the current company you are insurance with is the one liable for the claims being made today even if the work was made in the past. Your policy will have a retroactive date affixed with which the insurer is potentially liable. Claims made prior to the retroactive date, however, will not be covered by the insurance policy.
Civil Liability and/or Negligence – there are policies that will indemnify you only if the claims made against you are on acts of negligence. Civil liability on the other hand is written on a much broader spectrum and will only cover claims that arise from: breach of professional duty, libel or slander, employee dishonesty, loss or damage to valuable documents, unintentional confidentiality breach, and unintentional intellectual property infringement.
Limit of Indemnity – it is important to know this because this will essentially be the maximum amount that your insurance will pay out for any claims made under your insurance. You also need to know if the limit of indemnity is ‘aggregate’ or ‘any one claim.’ Aggregate is the maximum the insurance will pay for an entire insurance period. Any one claim is the limit the insurer will pay for any single claim.
As mentioned earlier, the coverage of Professional Indemnity Insurance can be confusing which is why when getting this type of insurance, make sure that you do your research about it along with its supposed coverage. Also before buying the policy itself, make sure to shop around by asking insurance agents or insurance brokers to give you a Professional Indemnity Insurance Quote so you can make the necessary comparisons you need before you buy your PI policy.
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