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Professional liability insurance

With professional liability insurance, you protect yourself from unexpected expenses related to damage caused to other persons by your mistake in your professional service (e.g., a mistake in a construction project, accounting service, etc.).

Professional liability insurance

If an error in a professional service has caused damage to another person, ERGO professional liability insurance will help to cope with the claim for damages. In the event of an insured event, professional liability insurance covers the claims for property damage agreed in the terms and conditions of insurance, as well as legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO. 

Mitigating the risks related to professional liability with insurance should be considered by all companies for whom reliability and excellent client relations are important.

Wide insurance cover

ERGO professional liability insurance provides a wide insurance cover to mitigate risks that may arise from various activities.

Client-based solutions

When concluding ERGO professional liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

Wide insurance cover

ERGO professional liability insurance provides a wide insurance cover to mitigate risks that may arise from various activities.

Client-based solutions

When concluding ERGO professional liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.

Competent team

ERGO has a risk management, sales, and claims handling management team with long-term, diverse, and international experience.

What is covered under the ERGO professional liability insurance contract?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such reed damage is indemnified that is not excluded. Thus, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as the special terms and conditions in the policy, and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of professional liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under professional liability insurance.

Professional liability

All of the services that you provide and for which you want to be covered must be listed in the professional liability insurance contract. For example, architects, engineers, notaries, lawyers, auditors, accountants, etc. can insure the damage caused by their mistakes with professional liability.  

Professional liability insurance cannot insure damage caused by the general activities of the company, e.g., the liability of the owner or tenant of a building, etc. To this end, please familiarise yourself with professional liability insurance.

What is covered under the ERGO professional liability insurance contract?

Liability insurance is essentially all-risk insurance, i.e., in the event of an insured event, such reed damage is indemnified that is not excluded. Thus, it is imperative to read the terms and conditions referred to in the contract, especially the exclusions section, as well as the special terms and conditions in the policy, and make sure that the insurance contract meets your expectations and includes the necessary covers for you. The main types of professional liability insurance covers are listed below, including a list of the types of property damage that ERGO generally indemnifies under professional liability insurance.

Examples of professional liability insurance insured events

To better understand professional liability insurance, here are some examples of insured events.

Construction engineer

The engineer makes a mistake in the design in the height of the doorway, and the building cannot be used for its intended purpose. The doorway of the building has to be rebuilt. A net financial loss has been incurred, which ERGO indemnifies as an insured event to the extent of the terms and conditions of the insurance contract.

Examples of professional liability insurance insured events

To better understand professional liability insurance, here are some examples of insured events.

Terms and conditions and information documents