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Professional Indemnity, For Professionals, By Professionals.

Updated: May 12

What is Professional Indemnity?


Professional Indemnity provides cover for claims brought against the policyholder due to their professional negligence.

There are three types of Professional Indemnity wordings:

•  Negligent act, negligent error or negligent omission

•  Professional liability

•  Civil liability

Negligent act, negligent error or negligent omission

This indemnifies the policyholder against loss/circumstances incurred only as a result of their negligent act, negligent error or negligent omission in carrying out the policyholders business.


Professional liability


Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or business owners policy. This protects them against financial losses from lawsuits filed against them by their clients.

Civil liability

Some PI policies go further than the standard cover and provide indemnity ‘for any civil liability’. This covers such areas as breach of contract, libel and slander. (Some standard cover policies may also include libel and slander as extensions to the policy wordings if required.)


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Max Insurance Brokers Limited, company registration number C50394, is an enrolled company in the Brokers List to act as an insurance broker under article 13 of the Insurance Intermediaries Act (Cap. 487) and is regulated by the Malta Financial Services Authority (MFSA).

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