Protect your business with professional indemnity insurance

Buy professional indemnity insurance in India with Pazcare and get the best professional indemnity insurance quote online.

300+

Policies sold

in the last 6 months

We will help you get the best PI policyFill out the form to talk to our experts about coverage and quotes.

What is professional indemnity insurance?

Professional indemnity insurance (PII), or professional liability insurance, is a type of insurance coverage designed to protect professionals and businesses against financial losses resulting from claims of negligence, errors, omissions, malpractice, or inadequate work.

Professionals in various fields, such as doctors, lawyers, accountants, architects, engineers, consultants, and others who provide specialized services or advice to clients, may face allegations of negligence or mistakes that cause harm or financial loss to their clients.

Professional indemnity insurance helps protect these professionals from bearing the full cost of legal defense expenses, settlements, or judgments arising from such claims.

Who needs professional indemnity insurance coverage?


Professionals across various industries can get professional indemnity insurance coverage. Here are the common ones:

Prevent financial setbacks

Consultants, architects, engineers

Win the Trust of Investors

Lawyers, accountants, and financial advisors

Keep your personal finances safe

Healthcare practitioners and medical professionals

Attract the best people

Information Technology (IT) professionals

Reassurance for Big choices

Individuals or businesses offering specialized services

Navigate regulatory compliance

Anyone providing professional advice, expertise, or services to clients

What does professional indemnity insurance in India cover?


Professional indemnity insurance covers various aspects related to claims arising from errors, negligence, or omissions in professional services. Here's what it typically includes:

Legal expenses

Coverage for legal costs and fees incurred in defending a claim or lawsuit.

Compensation and damages

Financial protection for compensation payments and damages awarded to claimants if a professional is found liable.

Negligence and errors

Protection against claims due to errors, omissions, or negligent acts in professional services.

Breach of duty

Coverage for claims alleging breach of professional duty or trust.

Legal representation

Provision for legal representation and support during disputes or claims.

Client protection

Safeguarding against claims of misrepresentation, defamation, or infringement of intellectual property rights.

Loss of documents/data

Coverage for losses due to the loss of client documents or data.

What is not included in professional indemnity insurance?

Deliberate acts

Claims resulting from deliberate illegal, dishonest, or fraudulent acts committed by the insured individual or entity.

Criminal activities

Exclusions for claims arising from criminal activities or intentional wrongdoing.

Known claims

Claims known to the insured before the policy inception or claims related to circumstances that were known but not disclosed during policy application.

Contractual disputes

Exclusions related to contractual disputes or liabilities not covered by the policy terms.

Liabilities beyond policy limits

Claims that exceed the coverage limits or fall outside the scope of coverage mentioned in the policy.

Bodily injury or property damage

Exclusions for liabilities related to bodily injury or property damage, which are typically covered under other types of insurance policies (like general liability or property insurance).

Non-professional activities

Claims arising from activities not related to the insured's professional services or expertise.

D&O insurance

Why choose Pazcare as one of your professional indemnity insurance brokers?

Tailored Protection

We have India's top experts

Our expertise in offering professional indemnity insurance for specific industries or professions helps in getting coverage that specifically addresses your potential risks and liabilities.

Expert Guidance

Claims handling and support

We offer assistance in obtaining insurance and navigating the claims process with your insurer by providing support and guidance.

Competitive Pricing

Access to multiple insurance providers

We have access to top insurance providers in India, allowing you to compare policies and find the most suitable coverage at competitive rates.

Frequently asked questions around Professional Indemnity insurance in India

What is professional indemnity insurance?

Professional indemnity insurance (PII) shields professionals from financial losses due to claims of negligence or errors while offering services. It covers legal costs, settlements, and damages arising from such claims.

What does professional indemnity insurance cover against?

Professional indemnity insurance covers claims stemming from professional negligence, errors, breach of duty, misrepresentation, or intellectual property infringement. It provides financial protection for legal expenses, compensation, and related costs.

What is the meaning of professional indemnification?

Professional indemnification refers to compensating professionals for liabilities arising from errors, negligence, or inadequate service provision, shielding them from financial losses due to claims made by clients or third parties.

popup banner

We will help you get the best PI policy

Fill out the form to talk to our experts about coverage and quotes.