Errors and omissions
May respond to covered claims alleging a professional mistake, omission or failure in the declared services.
Liability protection for professional advice and services
Professional Indemnity Insurance in Kenya
Protect your professional practice against covered claims alleging errors, omissions, negligence or failure in your services.
Clear advice before you choose
Find cover that fits your needs
A client may allege that professional advice, design or service caused financial loss. Even when a professional believes the work was performed correctly, responding to the allegation can involve legal costs, documents and significant management time.
Latron Insurance Agency helps professionals and firms in Kenya compare professional indemnity policies. We explain the limit of indemnity, deductible, covered services, exclusions, retroactive date, claims-notification requirements and whether the policy operates on a claims-made basis.
Understanding your options
What professional indemnity insurance may address
The insurer must assess each notification under the policy wording. Cover varies by profession, insurer and the circumstances of the claim.
Negligence allegations
May cover eligible defence costs and liabilities arising from allegations that professional duties were performed negligently.
Legal defence costs
Reasonable defence or investigation costs may be covered when incurred with the insurer's agreement and within the policy terms.
Loss of documents or data
Selected policies may include specified costs or liabilities relating to lost client documents or data, subject to exclusions and security requirements.
Defamation or confidentiality
Some wordings extend to specified allegations such as defamation or breach of confidentiality arising from professional services.
Run-off protection
Where available, run-off cover can address eligible claims reported after a practice closes or changes, subject to the agreed period and retroactive date.
Personalised support
Professional cover shaped around your services
Consultants and advisers
Management, financial, training, HR and other consultants can face claims connected with advice or recommendations.
Technical and regulated professionals
Engineers, architects, accountants, lawyers, healthcare professionals and other specialists may need profession-specific wording or limits.
Technology and creative firms
IT providers, designers, agencies and similar businesses may need cover aligned with contracts, deliverables, data and intellectual-property exposures.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Your profession, qualifications and full description of services
- 2Annual fees or turnover and the number of principals and employees
- 3Typical contracts, clients, project values and geographic exposure
- 4Preferred limit of indemnity and deductible
- 5Previous claims and any known circumstance that could lead to a claim
Helpful answers
Frequently asked questions
Who needs professional indemnity insurance?+
Businesses or individuals providing professional advice, designs or specialist services may need it because a client can allege that an error, omission or negligent act caused loss. Contracts or professional rules may also specify cover requirements.
What does claims-made mean?+
A claims-made policy generally requires the claim or circumstance to be first notified during an active policy period and to fall within the applicable retroactive terms. Continuous cover and prompt notification are therefore important.
What is a retroactive date?+
It is the date after which the relevant professional act, error or omission must have occurred for a claim to be considered, subject to all other policy terms. Work performed before that date is generally outside cover.
Is professional indemnity the same as public liability?+
No. Professional indemnity generally addresses covered financial-loss claims arising from professional services. Public liability generally concerns covered third-party injury or property damage arising from business activities.
When should I notify a possible claim?+
Notify the insurer or Latron as soon as you become aware of a claim or circumstance that may lead to one. Do not admit liability, settle or incur defence costs without following the insurer's instructions.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.