The Pl provides cover against legal liability claims that may arise as a result of errors or omissions, negligent act omitted or committed by the insured that may arise out of provision of professional services by the insured in their capacity as Clinical Officers.

The insurance also covers legal expenses incurred in defending the insured against the claimant subject to liability limits selected

• Regulatory/Compliance Requirement
• Decreased risk of being sued as a professional
• Standard of care owed by a professional is very high
• The standard of care is equated to the degree of skills he/she posses

Free Extensions (at 10% limits of liability)

• Loss of documents
• Libel & slander
• Flexible premium payment plan

This Insurance shall exclude the following:

• Liability for actions before inception of this policy.
• Criminal act or any act committed while in violation of any law or ordinance.
• Services rendered while under the influence of intoxicants or narcotics.
• Any negligence/omission that goes beyond the scope of the professional services.
• Insolvency/Bankruptcy
• Claim filed by any partner, employee, spouse against the insured under the policy.
• Bodily injury arising out of and in course of employment.

Cash Installment

Salary Check-off

• The policy provides indemnity for legal liability due to breach of professional duty for neglect act, error or omission committed or alleged to have been committed.​
• The breach of the professional duty could be by the insured, his/her partners or the employees. ​
• The compensation is up to the limit of liability covered.​
• Additionally, it covers legal expenses incurred in defending the insured against the claimant.

• Loss of Documents  ​
• Dishonesty of Employees
• Incoming /Outing Partners
• Libel & Slander

• Any negligence/omission that goes beyond the scope of the professional services.​
• The excess/deductible applicable to the policy. ​
• Insolvency/Bankruptcy​
• Claim filed by any partner, employee, spouse against  the insured under the policy.​
• Bodily injury arising out of and in course  of employment.​
• Political violence and terrorism

• Qualification of the partners​
• Period of experience in the profession  .
• Number of partners​
• Number  of professionally qualified employees and others​
• Limit of indemnity required- Per event and per year
• Estimated annual gross fees/Income​
• Cover enhancement required – in case of extensions​
• Previous claims history​

Introduction.
In the legal profession, professional indemnity insurance is a vital safeguard that protects lawyers from potential financial losses and claims arising from professional malpractice. It is not only a precautionary measure but often a legal requirement. Understanding the policy, coverage, and benefits is crucial for navigating the complexities of this essential insurance.

The Policy

• Coverage: Professional indemnity insurance provides protection against legal liability resulting from the breach of professional duty due to negligent acts, errors, or omissions by the lawyer, their partners, or employees.
• Legal Expenses: It covers legal expenses incurred in defending the lawyer against the claimant.
• Compensation: The compensation is provided up to the limit of liability covered.

At an additional premium, the policy can be extended to cover:

• Loss of Documents
• Libel and Slander
• Incoming and Outgoing Partner
• Dishonesty of Employees

Premium payment plan

Information required

1. Number of principal partners
2. Their qualifications and period of experience in the profession
3. Number of qualified staff
4. Limit of indemnity required-Per event and aggregate
5. Gross fee Income (Audited accounts)
6. Previous claims history
7. Number of other staff