Professional Indemnity Insurance
Professional Indemnity Insurance (PI) protecting business and individuals, as professionals in their line of work, from claims against negligence, errors in their work, their professional advice, misrepresentation of their services, breach of confidentiality etc.
Expat Insurance considers your exposure — so you stay secure, compliant, and confident to grow your business.
Who Needs Professional Indemnity Insurance?
Essential for any business or individual providing advice, professional services, designs, reports, or specialist recommendations. Cover may be required as part of a contract.
The following businesses require Professional Indemnity Insurance…
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Legal and Financial Services: Lawyers, Accountants, Financial Advisors, Insurance brokers
Engineering and Construction: Architects, Engineers, Surveyors, Construction Professionals, and Interior Designers.
Consultants and Advisors: Company Secretaries, Business consultants, Recruitment Companies, Risk Management Companies, IT Consultants, Property Managers and Real Estate Agencies.
Creative and Technical Services: Graphic Designers, Web Developers, Marketing Professionals.
Education and Training: Schools, Universities, Colleges, Professors, Teachers, Coaches, Dance Instructors, Personal Trainers (Pilates, Yoga, Fitness etc.)
Other Professional Services: Medical Professions (Hospitals, Doctors, Surgeons, Nurses, Clinics, Veterinarians etc), Psychologists, Counsellors, Nutritionists, Speech Therapists, Beauticians, Travel Agencies, Health and Fitness Clubs, etc.
Possible Pitfalls We Help You Avoid
A major risk with Professional Indemnity Insurance is a generic policy that “looks right” but doesn’t match your actual services. Many policies exclude certain activities unless specifically declared — meaning the exact work you do may not be covered when a claim happens.
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Another common issue is weak wording around confidentiality and intellectual property. In real disputes, claims often involve leaked information, use of third-party material, or disagreement over ownership of deliverables. If the wording is unclear, insurers may restrict payouts or delay decisions.
We also see businesses underestimating claim payment sizes. Legal defence costs grow very quickly — and one complex dispute can exceed low policy limits. Our role is to ensure your cover reflects real-world exposure, includes the right clauses, and avoids hidden exclusions that only appear when it’s too late.
Why Work With Expat Insurance?
Professional Indemnity isn’t just about having “a policy” — it’s about having a policy that responds properly in your time of need. Many insurers will issue standard terms, but the protection can vary dramatically depending on exclusions, definitions and endorsements.
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At Expat Insurance, we assess your profession and exposure, then compare options from multiple insurers, negotiate the wording, and structure limits that fit your actual risk — so your policy performs when it matters most. We also support you through renewals, claims, and business growth changes over time.
What Does Typical Cover Include?
Professional Indemnity Insurance typically covers legal defence costs, settlements, and compensation payouts arising from claims of professional negligence, errors, omissions, or misrepresentation. It may also include cover for breach of confidentiality, intellectual property disputes, defamation, or a failure to provide a satisfactory service.
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Legal and Contractural requirements: Many professions are legally required to have PI insurance and clients often require it as a prerequisite for winning a contract.
Protection from Negligence Claims: It covers claims of professional negligence, such as giving bad advice that leads to a clients financial loss.
Defense against Legal Costs: The policy covers the costs of the legal defense costs, even if the claim is groundless.
Reputation Protection: Cover helps protect a professionals reputation by providing financial support in the event of a claim.
Cover for a wide range of issued: PI insurance can also cover claims for defamation, breach of copyright, or unintentional infringement of intellectual property rights.
“Run-off cover”: Retired professionals may still need coverage for past work, so “run-off” cover is a consideration to protect against claims made after retirement, or the business has closed.
Let's Get Your Insurance Done Right
Buying professional indemnity directly can be risky. Many policies exclude key exposures unless negotiated. We step in to ensure your coverage is robust and suited to your profession.
We start by understanding your business.
We assess your services, client contracts, and risk profile to identify exposures.
We compare multiple insurers.
We present side-by-side options with clear explanations and transparent pricing.
We negotiate better protection.
We use our broker network to extend limits, include key clauses, and reduce exclusions.
We stay with you.
We handle renewals, claims, and policy updates as your business evolves.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
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Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are everyday occurrences in Hong Kong, where a single health-related event can quickly disrupt financial stability. The deciding factor is whether you’re properly insured.
