What does professional liability insurance cover?

Professional indemnity insurance is a type of insurance that protects businesses against claims and lawsuits due to errors, negligence or injury caused by their activities. It generally covers a wide range of liabilities, including the defense of lawsuits brought against the company and the reimbursement of compensation awarded to plaintiffs. This insurance can apply to all kinds of businesses, and is particularly important for those that provide services or produce products. As such, it is considered an essential element of a company's insurance portfolio.

What is the difference between professional liability insurance and general liability insurance?

Professional indemnity insurance (PII) is a form of insurance designed to help professionals protect themselves against claims and financial loss resulting from errors or negligence committed in the course of their professional duties. It is distinct from general liability insurance, covers a wider range of risks and is designed primarily for businesses. Professional liability provides protection for specific professions such as lawyers, doctors, financial investment advisors, etc., and covers the individual's liability for errors or negligence committed during the course of their work. In some countries, it is even a legal requirement for certain professions.

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Professional liability insurance covers the liability of professionals in the event of claims or damage caused to their customers. It protects contractors against the financial and legal consequences of malpractice, negligence or faulty workmanship. If a customer is dissatisfied and a claim is made, the insurer will assume the risk under certain conditions. Contract clauses allow policyholders to cancel their insurance at any time, without notice. This possibility of cancellation enables companies to adapt to changes in the market and their needs, without being prejudiced by a contract that is too long.

What risks are covered by professional liability insurance?

Professional liability insurance is a type of insurance that covers damage or injury you may cause to your client as a result of your professional activities. It protects you from the financial consequences that may arise if property damage or bodily injury is caused to a third party in the course of your professional activity. It also covers the risks associated with claims for breach of contract, negligence and any other form of error, omission or fault that may be committed in the course of your business. In addition, it provides protection and compensation for losses incurred by the customer, such as medical expenses and legal fees. In short, professional liability insurance provides adequate protection against the risks associated with professional activity, including those that directly involve the customer.

Professional liability insurance is one of the most important types of insurance a company can have. It covers the risks associated with the company's activities, particularly those likely to cause damage to third parties. This insurance protects the company against claims related to bodily injury, property and personal injury resulting from the company's activities. It can cover the reimbursement of medical expenses, legal costs and other expenses incurred by the company in the event of litigation. In short, this insurance offers financial protection for businesses against liability arising from misconduct or improper professional activity.

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Who can benefit from professional liability insurance?

Professional liability is a type of insurance that protects businesses and their owners against claims for damage caused to third parties. It can be taken out by any business under a contract with an insurance company. Professional liability insurance can cover accidents, errors or omissions that are the direct consequence of an activity or service provided by the company. The risks covered vary according to the type of contract and the specific clauses included. The advantages for a company of having professional indemnity insurance are numerous: not only does it protect your business against legal action, but also your employees and customers if they are involved in an incident that could lead to significant legal costs. In short, professional indemnity insurance can provide a safety net for your business.

How do I take out professional liability insurance?

Professional liability insurance is essential to cover the risks inherent in your profession. To do so, you need to take out a contract with an insurer that will offer you cover specific to your activity. Professional liability insurance is designed to protect regulated professions against claims and damages caused to third parties by their fault or unlawful acts. You'll benefit from cover tailored to your activity, allowing you to work without worrying about the financial consequences of an accident or negligence that may occur in the course of your work.

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How can I estimate the amount of professional liability insurance I need?

Evaluating the amount of professional liability insurance you need depends largely on your professional activity and the risks associated with it. Once you have identified the risks inherent in your activity, you can contact an insurer to obtain coverage tailored to your specific needs. Once you've accepted the insurance offer, the amount of your premium will be determined by the level and quality of cover offered by your insurer. Finally, it's important to always have a clear understanding of the terms and conditions set out in your policy, as these will determine the amount of compensation you receive in the event of a claim.


Professional liability is a type of insurance that protects companies and their employees against financial and legal liabilities that may result from the negligence, acts or omissions of the company or its employees. This insurance is used to cover the costs associated with property damage and bodily injury claims, as well as to compensate victims of unlawful acts. It is essential to protect a company against heavy financial losses and to mitigate the risk incurred by its employees.

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