Your expertise, protected against every claim.
Professional indemnity insurance protects professionals against claims alleging that injury or financial loss resulted from their negligent acts, errors, or omissions - covering legal defence costs and any damages awarded.
Financial loss
COVERED
12+
professions covered
Examples of professional indemnity risks
Any professional whose advice or services could cause a client financial loss should hold professional indemnity cover.
Insurance Broker
“Confirms cover verbally but fails to arrange the policy - client suffers an uninsured loss.”
Investment Consultant
“Gives incorrect investment advice - client suffers significant financial loss.”
Surveyor / Valuer
“Issues a report that leads to the purchase of a defective property.”
Legal Practitioner
“Provides unsound legal advice - client loses a legal right or incurs avoidable costs.”
Medical Professional
“Administers incorrect treatment - patient suffers harm or additional medical costs.”
Engineer / Architect
“Issues flawed design specifications - resulting in structural failure or cost overruns.”
Cover for your profession
Professional indemnity is available across a wide range of professions. There are no standard policy wordings - each policy is tailored to your specific professional activities.
What the policy covers
Indemnity for your legal liability to clients and the public arising from your professional activities.
Legal Defence Costs
Full cover for legal fees, court costs, and expert witness fees when defending a professional negligence claim.
Damages & Settlements
Court-awarded damages or out-of-court settlements paid on your behalf - including financial loss, injury, and property damage.
Breach of Professional Duty
Cover for claims alleging failure to meet the professional standard expected of a competent practitioner in your field.
Negligent Acts, Errors & Omissions
Protection when a client alleges your advice, work, or services - or the omission of them - caused a loss.
Extend your cover
Standard exclusions can often be addressed with specific policy extensions - ask your broker.
Run-Off Cover
Continuation of cover beyond the date of cancellation if your firm is wound up or you retire - protecting against claims arising from past work.
Breach of Warranty of Authority
Covers liability arising when you act beyond your actual authority - for example, agreeing to terms on a client's behalf without proper authorisation.
Loss of Documents
Financial loss to clients caused by the loss, destruction, or damage of documents entrusted to your care.
Standard exclusions
The following are excluded under a standard professional indemnity policy:
- Dishonesty of the insured
- Risks covered by a public liability policy
- Claims arising outside Zambia
How it works
Getting professional indemnity cover
01
Describe your practice
Tell us your profession, services provided, annual fee income, and client types.
02
Provide claims history
Disclose any claims or circumstances from the last five years - this is required for all PI policies.
03
Receive your quote
A tailored quote with the appropriate limit of indemnity and any relevant endorsements.
04
Cover activated
Policy confirmed - you are protected against claims arising from your professional activities.
Cover starts as soon as your policy is confirmed.
Get a QuoteFrequently Asked Questions
Professional indemnity (PI) insurance is a specialised class of liability insurance that protects a professional person or firm against claims alleging that injury or financial loss resulted from their actions, advice, or omissions in a professional capacity. Unlike public liability, PI covers financial loss - not just physical injury or property damage.
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