Why this exists
If your product is judgement, your largest exposure is not your office. It is a client asserting that your work was wrong — and those claims can arrive years after the engagement ended.
What it covers
- Claims for negligent advice, design or professional services
- Legal defence costs
- Breach of professional duty and, on many wordings, confidentiality
- Work carried out before the policy started, where retroactive cover applies
What it does not
- Deliberate wrongdoing
- Claims already known about when cover started
- Work done before the retroactive date
- Claims made after the policy ends without run-off cover
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Consultants, engineers, architects and surveyors
- Accountants, lawyers and financial advisers
- Agencies, IT firms and anyone contracting on deliverables
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.