Understand your exposure in 90 seconds
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Step 1 of 4 — Your Profession
What type of professional are you?
Live Risk Meter
This has happened to someone exactly like you
Every scenario below is drawn from real PI claims. Names and identifying details have been removed. The amounts have not.
The specification error that cost £380,000
A sole-practitioner architect specified inadequate fire-stopping materials in a commercial refurbishment. The error was identified during a building control inspection 14 months after practical completion. Remedial works, consequential losses from tenant displacement, and legal costs totalled £382,000.
Policy Clause
Design & specification liability — Clause 4.2
Outcome
Full settlement met by PI insurer. Architect's practice survived intact.
Timeline
18 months from notification to settlement
68% of all professional negligence claims are successfully defended or significantly reduced when adequate PI cover is in place. Without it, the same professionals face personal liability — often exceeding their entire practice value.
The clauses that would have responded
Every scenario above maps to a specific policy clause. Here is precisely what your cover provides — written in plain English, not policy language.
Covers legal defence costs, settlements, and judgements arising from allegations that your professional advice or service fell below the standard reasonably expected. Applies retroactively to work undertaken before the policy inception date (run-off provisions available).
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