Professional services
The advice, design, consultancy or other professional work performed by the insured organisation.
Responsibility & reputation
Professional Indemnity
Support advice, design and professional services when clients allege financial loss.
Professional Indemnity addresses claims alleging negligent acts, errors or omissions in professional services.
Introduction
What is Professional Indemnity?
Professional Indemnity responds to allegations that professional advice, design or services caused a client financial loss. The programme should reflect the work performed, contractual duties and jurisdictions in which claims may arise.
What it protects
What can the policy protect?
The scope of Professional Indemnity should clearly define the insured interests and the protection required.
Allegations and defence
How the programme responds to allegations, investigations and agreed defence costs.
Professional financial consequences
Financial loss alleged to arise from a negligent act, error, omission or breach of professional duty.
Territory and jurisdiction
Where services are provided, contracts are governed and claims may be brought.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Professional allegation
A client alleges that advice, design or services did not meet the required professional standard.
Regulatory investigation
A regulatory inquiry or investigation requires a specialist legal response.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Banks & Financial Institutions
For regulated organisations where governance, data, people and financial confidence are closely connected.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Infrastructure
For long-term projects and operating assets involving contractors, financiers and public responsibilities.
Power & Utilities
For essential infrastructure where equipment reliability, project delivery and service continuity are critical.
Independent liability review
Review Professional Indemnity with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.