Professional Indemnity Insurance
Professional Indemnity (PI) or Errors and Omissions (E&O) protects businesses and individuals, as professionals in their line of work, from claims against negligence, bad 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. Professional Indemnity Insurance is normally required by the following businesses or individuals …
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Legal and Financial Services: Lawyers, Accountants, Finance Companies, Financial Advisors, Insurance Brokers etc
Engineering and Construction: Architects, Engineers, Surveyors, Construction Professionals, Interior Designers etc.
Consultants and Advisors: Company Secretaries, Business Consultants, Recruitment Companies, Risk Management Companies, IT Consultants, Property Managers, Real Estate Agencies etc
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.
Expat Insurance sees businesses underestimating the size of possible claim payments. Legal defence costs can 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 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 to fit your risk — so the 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 payments arising from claims of professional negligence, errors, omissions, or misrepresentation. It may include cover for breach of confidentiality, intellectual property disputes, defamation, or 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”: Professionals may require cover for past work, so “run-off” cover is a consideration to protect against claims made after retiring, or the business has closed.
Let's Get Your Insurance Done Right
Professional Indemnity Insurance purchased directly can be risky. Some policies exclude key exposures unless negotiated. We 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 experience 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.
testimonials
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.
