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Indemnity CoverOur policy is intended to cover
professionals against liabilities

What is a Doctor’s Professional Indemnity Cover?

Professional Indemnity Insurance (PI), also called professional liability insurance or Errors & and Omissions (E&O) insurance, is a form of liability insurance that helps protect professional advising, consulting, and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client in a civil lawsuit. A professional indemnity insurance policy gives protection to professional people in case of their legal obligation to compensate third parties who may experience injury, loss, or damage to their property or life through the negligence acts of the professional person.

Professional – An occupation or job that needs special knowledge, e.g., law, engineering, medicine, teaching, etc.
What are the Benefits of a Doctor’s PI?

Compliance with licensing requirements

A PI is mostly required during the application and renewal of practicing licenses.

Financial Assurance

The policy will cover court judgments awards and legal fees for defending yourself or the business at a court of law.

Provides Peace of Mind

The policy allows the Doctor to practice without fear of financial loss in case of any fortuitous event in the course of his/her work.

Enhances the Doctor’s Employability

Many contractors and government authorities typically establish a minimum prerequisite of having Professional Indemnity Insurance as a requirement for businesses participating in tenders to be eligible.

What is Covered in Doctor’s PI?
  • Physical harm (including accidental death, injuries, illnesses, mental distress, or shock)
  • Costs and expenses accrued (with our approval) in the defence or settlement of a claim.
  • Breach of professional duty
  • Defamation
  • Loss of documents
  • Breach of confidentiality
  • Dishonesty

    • Legal liability arising from mistakes, omissions, or negligent actions by medical professionals during their duties encompassing various aspects, such as:

    Who should take this cover?

    Main Exclusions?

    • Intentional Misconduct
    • Liability arising by virtue of third-party contracts.
    • Sexual Misconduct
    • Criminal Acts
    • Non-Medical Activities
    • Experimental Treatments
    • Known Pre-Existing Conditions
    • Claims Made After Policy Cancellation
    • Coverage Outside the Policy Period
    • Political Violence and Terrorism

    Any qualified and duly registered Medical Professional who is categorized as a service provider and presents him/herself as a professional to the patient.

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