Liability insurance covers business owners, independent professionals. and self-employed people
against the cost of compensation claims following fault of negligence brought against them by
employees, clients, customers, shareholders, investors, or members of the public, below is a
summary;

Professional indemnity insurance offers protection to businesses and individuals for loss or damage
arising from breach of professional duty by reason of any negligent act, negligent error or negligent
omission. This cover is highly recommended to but not limited to the following professions: –
 Solicitors/ Lawyers
 Accountants /Auditors
 Architects and Surveyors
 Medical doctors
 Dentists
 Engineers

This policy offers protection to employers for their legal liability (Under common Law) for damages
and claimant’s costs of lawsuit expenses by an employee. Compensation is paid in the event of
employees’ death/injury as a result of negligence on the part of the employer.

This policy Covers directors and officers for any wrongful acts committed in their capacity as directors
and officer where:
♦ company is not permitted (either legally or by its articles of Association) to reimburse them.