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Professional Liability Insurance (PLI) covers damages caused to third parties in the course of your professional activity. It protects against errors, negligence and omissions.
Mandatory for: construction, healthcare, legal, real estate, transport, finance. Strongly recommended for: consultants, developers, craftspeople, retailers, liberal professions and any advisory or service activity.
Material and immaterial damages, legal defence costs, client financial losses, reputation damage, breach of duty to advise, delivery delays, data loss.
Without PLI, you are personally liable for damages. Sanctions vary: fines, ban from practicing, compensation from personal assets. For regulated professions, lacking PLI is a criminal offence.
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Professional Liability Insurance is mandatory for certain regulated professions: construction, healthcare, legal, real estate, transport, finance and accounting. For other professions (consultants, IT, retail, crafts), it is strongly recommended as it protects against financial risks related to your activity.
The cost varies depending on your sector, revenue, number of employees and chosen coverage. On average, expect between EUR 100 and 500 per year for a sole trader, and between EUR 300 and 2,000 per year for a company. Comparing several quotes can save you up to 40%.
Professional Liability covers damages caused through your intellectual services or advice (errors, omissions, negligence). General Liability covers damages caused by your premises, equipment or employees. A business may need both types of coverage.
In the event of a claim, you must notify your insurer within 5 working days by registered letter. Gather all supporting documents (client contract, correspondence, evidence). The insurer will appoint an expert and cover defence costs and compensation within the policy limits.
To compare effectively, check: coverage amounts (per claim and annual caps), deductibles, exclusions, geographical coverage, retroactivity and subrogation. Our service connects you with multiple insurers to obtain comparable quotes and make the best choice.