Professional Liability
Protects you against compensation claims that may arise from harm you cause to third parties in the course of your profession.
What is Professional Liability and how does it work?
Professional liability insurance protects you against compensation claims arising from faulty, incomplete or late service that causes loss to third parties while you carry out your profession. Legal defence and court costs can also be covered, depending on the policy.
There are products adapted for many professions, such as doctors, dentists, engineers, architects, lawyers, accountants, consultants and insurance agents. Conditions such as the retroactive date and claims-made basis matter, so the cover should be chosen carefully for your profession.
Who is it for?
It suits freelancers, consultants and professional firms who provide services and make decisions; for some professions it is compulsory or strongly recommended.
Which professions, and why it matters
Professional liability insurance covers damage caused to third parties through error or negligence in the course of work by professionals such as doctors, lawyers, accountants, engineers, architects and consultants. For some professions it is compulsory.
Defence costs, the compensation limit and the retroactive date are the main points that differ between policies. With claims-made policies, continuous renewal matters so that claims arising from past work remain covered.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Losses arising from faulty or incomplete service
- Defence and legal costs (depending on the policy)
- Products tailored for professions such as doctors, engineers, lawyers and accountants
What to look at when choosing
- The retroactive date
- Limit and deductible
- Exclusions specific to your profession
Frequently asked questions
What is the retroactive date?
It is the date that decides whether claims from an error made before the policy started are covered. Preserving it matters when you renew or change insurer.
Does the policy cover my colleagues' mistakes?
It depends on the policy. Errors by staff in a company or partnership can be covered separately; this should be clarified at quote stage.
How do I choose the limit?
Consider the possible size of loss in your field, the liability caps in your contracts and client expectations. We can work out a reasonable limit together.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.