{"id":5452,"date":"2025-09-06T15:53:13","date_gmt":"2025-09-06T10:23:13","guid":{"rendered":"https:\/\/mitigata.com\/blog\/?p=5452"},"modified":"2025-11-20T18:07:18","modified_gmt":"2025-11-20T12:37:18","slug":"professional-indemnity-insurance-cover","status":"publish","type":"post","link":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/","title":{"rendered":"Professional Indemnity Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5452\" class=\"elementor elementor-5452\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6598ef4 e-flex e-con-boxed e-con e-parent\" data-id=\"6598ef4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39f116e elementor-widget elementor-widget-text-editor\" data-id=\"39f116e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What if your <a href=\"https:\/\/mitigata.com\/insurance\/other-corporate-insurances\/professional-indemnity\">professional indemnity insurance<\/a> doesn\u2019t step in when you need it most?<\/p><p><span style=\"letter-spacing: -0.3px;\">More and more professionals now recognise the need for <\/span><a style=\"letter-spacing: -0.3px; background-color: #fdfdff;\" href=\"https:\/\/mitigata.com\/blog\/10-best-pi-insurance-companies\/\">PI insurance<\/a><span style=\"letter-spacing: -0.3px;\">. Yet <\/span><strong style=\"letter-spacing: -0.3px;\">negligence remains the leading cause of claims<\/strong><span style=\"letter-spacing: -0.3px;\">, accounting for over <\/span><b style=\"letter-spacing: -0.3px;\">45%<\/b><span style=\"letter-spacing: -0.3px;\"> of notifications to Marsh India between 2022 and 2023.<\/span><\/p><p>Behind those figures are consultants, architects, and advisors who have discovered, too late, that one mistake, miscommunication, or overlooked detail could trigger serious financial losses.<\/p><p><span style=\"letter-spacing: -0.3px;\">The real problem is that many believe their policies have them covered when actually the coverage does not match the risks they face.<\/span><\/p><p>This guide will break down the inclusions and exclusions of PI insurance coverage, giving you the clarity to choose protection that genuinely safeguards your business, your finances, and your reputation.<\/p><h3>Mitigata \u2013 Leading Professional Indemnity Insurance Provider<\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3792\" src=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/06\/Mitigata-Signature.jpg\" alt=\"\" width=\"2200\" height=\"656\" \/><\/p><p>Choosing the right professional liability insurance coverage is not just about finding a policy. It\u2019s about finding the right partner who understands your risks and stands by you when things go wrong.<\/p><p><b>That\u2019s where Mitigata is the partner you need.<\/b><\/p><p>Trusted by over <strong>800<\/strong> <strong>businesses<\/strong> across <strong>25<\/strong> <strong>industries<\/strong>, Mitigata has established itself as <strong>India\u2019s leading full-stack cyber resilience company<\/strong>. We work closely with top insurers like HDFC ERGO, ICICI Lombard, and Bajaj Allianz, giving you access to the most relevant policies without the hassle of endless comparisons.<\/p><p><span style=\"font-family: Montserrat;\"><span style=\"font-size: 16px;\"><b>Why do 800+ businesses choose us?<\/b><\/span><\/span><\/p><ul><li>Competitive rates with comprehensive coverage that actually protects your business without hidden gaps.<\/li><li>We connect you with insurers who understand your specific industry risks, not generic solutions.<\/li><li>From quotes to final paperwork, we handle everything while you focus on your business.<\/li><li>When trouble strikes, we jump in immediately to cut through red tape and delays.<\/li><li>Professional crises don&#8217;t follow office hours \u2013 neither do we.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4f5958 e-flex e-con-boxed e-con e-parent\" data-id=\"e4f5958\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d2e6544 e-con-full e-flex e-con e-child\" data-id=\"d2e6544\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bad4a1 elementor-widget elementor-widget-heading\" data-id=\"3bad4a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get \u20b95CR of Professional Indemnity \n\n<span style=\"color:#04DB7F\">at \u20b975,000\/Year* <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d48aa27 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d48aa27\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da51e26 elementor-widget elementor-widget-text-editor\" data-id=\"da51e26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Professional indemnity cover at \u20b975,000 per year saves you money while keeping your practice safe.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-549edcb elementor-align-left elementor-widget elementor-widget-button\" data-id=\"549edcb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mitigata.com\/bookDemo\" id=\"pop_up_form_blog_cta\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Your Free Quote Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-257a6f5 e-con-full e-flex e-con e-child\" data-id=\"257a6f5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-950c0dc elementor-widget elementor-widget-image\" data-id=\"950c0dc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata.png\" class=\"attachment-medium size-medium wp-image-5332\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-373b867 e-flex e-con-boxed e-con e-parent\" data-id=\"373b867\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8c56a1 elementor-widget elementor-widget-text-editor\" data-id=\"e8c56a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>What is Professional Indemnity Insurance Policy?<\/h3>\nAssume you&#8217;re a doctor, and despite your best efforts, a patient claims that your treatment worsened their condition. Or you&#8217;re a financial counsellor, and a client claims that your investment advice cost them money.\n\nEven if you have done everything correctly, they may still sue you.\n\nIn these cases, PI coverage serves as a professional bodyguard. It serves to protect you in situations when a client claims that something in your professional practice caused them to lose money. In short, it covers legal bills and settlements resulting from claims of mistakes, negligence, or other professional blunders.\n\nHere&#8217;s how it works in real life: Assume you are an architect who designs buildings. Two years later, the client finds a structural flaw and blames your design. They demand you pay for repairs costing \u20b950 lakhs, plus their legal fees.\n\nWithout PI insurance, this money comes straight out of your pocket \u2013 potentially bankrupting your business.\n<blockquote><strong>Want to understand how professional indemnity insurance premiums work?<\/strong>\n\n<a href=\"https:\/\/mitigata.com\/blog\/pi-insurance-premium-cost\/\">Check out<\/a> our expertly curated guide on it.<\/blockquote>\n<h3>What is Covered Under PI Insurance Policy?<\/h3>\nProfessional indemnity insurance doesn\u2019t cover everything, but it does protect you from the most common risks professionals face:\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ead7bf e-flex e-con-boxed e-con e-parent\" data-id=\"6ead7bf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7de534 elementor-widget elementor-widget-image\" data-id=\"b7de534\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"378\" src=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/42.png\" class=\"attachment-large size-large wp-image-7453\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7d8091 e-flex e-con-boxed e-con e-parent\" data-id=\"c7d8091\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ab00d3 elementor-widget elementor-widget-text-editor\" data-id=\"5ab00d3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Negligence claims<\/h4>\nIf a client believes your work fell below expected standards, they may sue for losses. For example, an engineer who miscalculates a structure\u2019s load capacity could be held responsible if the project fails. PI insurance covers these kinds of negligence claims.\n<h4>Error and omission<\/h4>\nSometimes mistakes happen, and services fail to fulfil the expected standards. A financial advisor may overlook any risk element in an investment plan, which can result in customer losses. Such cases are covered by PI insurance.\n<h4>Legal defence costs<\/h4>\nLawsuits are costly, even if you are not at fault. PI insurance pays for legal expenses such as lawyer fees, court costs, and settlements. It also means that you can dispute claims without draining your money.\n<h4>Claims of Misrepresentation<\/h4>\nIf a client believes you gave misleading or inaccurate information, they can submit a claim. For example, a consultant may accidentally overestimate the impact of a strategy. Then, PI insurance can help cover the costs of defending against such allegations.\n<h4>Breach of contract<\/h4>\nWhen you fail to meet contractual obligations, clients may seek damages. For example, a software developer who misses a critical delivery deadline could face a claim. In such cases, PI insurance helps protect against these breaches.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d678d4 e-flex e-con-boxed e-con e-parent\" data-id=\"6d678d4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32fa037 e-con-full e-flex e-con e-child\" data-id=\"32fa037\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-841363b elementor-widget elementor-widget-heading\" data-id=\"841363b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u20b95 Crore PI Insurance Cover\n<span style=\"color:#04DB7F\">Starting at \u20b975,000\/yr*<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68f317b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"68f317b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b02c96b elementor-widget elementor-widget-text-editor\" data-id=\"b02c96b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With Mitigata, you\u2019re never alone, our 24\/7 assistance helps resolve claims and concerns without waiting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3e1d6f elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a3e1d6f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/mitigata.com\/bookDemo\" id=\"pop_up_form_blog_cta\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Your Free Quote Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f1bfc5 e-con-full e-flex e-con e-child\" data-id=\"3f1bfc5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a75fe27 elementor-widget elementor-widget-image\" data-id=\"a75fe27\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata.png\" class=\"attachment-medium size-medium wp-image-5332\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-361025a e-flex e-con-boxed e-con e-parent\" data-id=\"361025a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2cc250 elementor-widget elementor-widget-text-editor\" data-id=\"e2cc250\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>What\u2019s Not Covered by PI Insurance Policy?<\/h3>\nPI insurance has clear limits. Here are some situations where coverage does not apply:\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d369d99 e-flex e-con-boxed e-con e-parent\" data-id=\"d369d99\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4c457c elementor-widget elementor-widget-image\" data-id=\"c4c457c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"378\" src=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/43.png\" class=\"attachment-large size-large wp-image-7454\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31c8421 e-flex e-con-boxed e-con e-parent\" data-id=\"31c8421\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abbed17 elementor-widget elementor-widget-text-editor\" data-id=\"abbed17\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Intentional misconduct<\/h4>\nIf you knowingly act dishonestly or engage in fraud, PI insurance won\u2019t protect you. For example, if a professional deliberately falsifies a report, any claim that follows will not be covered.\n<h4>Bodily injury and property damage<\/h4>\nPI insurance deals with financial and professional risks, not physical ones. If someone slips and falls in your office or if equipment damages a client\u2019s property, those claims fall under Commercial General Liability (CGL) insurance, not PI.\n<h4>Prior known claims<\/h4>\nPI insurance is not retroactive. If you were aware of a potential claim before the policy started, it won\u2019t be covered. For example, if a client had already raised concerns about your work, and you later buy PI insurance, the insurer will not cover that case.\n<blockquote><b>Also Read<\/b>\nIf you\u2019re looking for a comparison guide, do check out this expertly curated list of<a href=\"https:\/\/mitigata.com\/blog\/10-best-pi-insurance-companies\/\"> top PI companies in India<\/a>.<\/blockquote>\n<h4>How to Choose the Right\u00a0PI Insurance Policy<\/h4>\nFinding the right professional indemnity insurance coverage doesn\u2019t have to be complicated. Here\u2019s a simple way to approach it:\n<ul>\n \t<li>Assess your risks: Consider the type of work you do and the associated risks. An architect and an IT consultant won\u2019t need the same coverage.<\/li>\n \t<li>Look at claim limits: Higher coverage means more protection, but balance it with what you can afford.<\/li>\n \t<li>Check exclusions: Know what\u2019s not covered so you&#8217;re not surprised later.<\/li>\n \t<li>Compare insurers: Each insurer has its own unique strengths. Some are better suited for consultants, while others are ideal for financial services.<\/li>\n<\/ul>\n<span style=\"font-family: Montserrat; font-size: 18px; font-weight: bold;\">Conclusion<\/span>\n\nBuying PI insurance policy without fully understanding your coverage is like wearing a seatbelt that may not be securely buckled. Understand what is and is not covered, and select a professional liability insurance coverage that fits your specific risks. Without this knowledge, you may assume you are protected, while in fact you are not.\n\nStill have questions about PI insurance policy?\n\n<a href=\"https:\/\/mitigata.com\/bookDemo\">Talk to Mitigata<\/a> today and work with confidence, knowing you&#8217;re properly protected.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What if your professional indemnity insurance doesn\u2019t step in when you need it most? More and more professionals now recognise&hellip;<\/p>\n","protected":false},"author":2,"featured_media":5453,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[18],"tags":[76],"class_list":["post-5452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyber-insurance","tag-professional-indemnity-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PI Insurance Policy Explained in2026- Mitigata<\/title>\n<meta name=\"description\" content=\"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, &amp; how to pick the best.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Professional Indemnity Insurance Policy Explained\" \/>\n<meta property=\"og:description\" content=\"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, &amp; how to pick the best.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\" \/>\n<meta property=\"og:site_name\" content=\"Mitigata Cyber insurance &amp; security blogs\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-06T10:23:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-20T12:37:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2202\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"akshit k\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Professional Indemnity Insurance Policy Explained\" \/>\n<meta name=\"twitter:description\" content=\"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, &amp; how to pick the best.\" \/>\n<meta name=\"twitter:creator\" content=\"@mitigata\" \/>\n<meta name=\"twitter:site\" content=\"@mitigata\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"akshit k\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\"},\"author\":{\"name\":\"akshit k\",\"@id\":\"https:\/\/mitigata.com\/blog\/#\/schema\/person\/1abbbc9054b935ce7062272377e7b9fb\"},\"headline\":\"Professional Indemnity Insurance\",\"datePublished\":\"2025-09-06T10:23:13+00:00\",\"dateModified\":\"2025-11-20T12:37:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\"},\"wordCount\":1103,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mitigata.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png\",\"keywords\":[\"Professional Indemnity Insurance\"],\"articleSection\":[\"Cyber Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\",\"url\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\",\"name\":\"PI Insurance Policy Explained in2026- Mitigata\",\"isPartOf\":{\"@id\":\"https:\/\/mitigata.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png\",\"datePublished\":\"2025-09-06T10:23:13+00:00\",\"dateModified\":\"2025-11-20T12:37:18+00:00\",\"description\":\"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, & how to pick the best.\",\"breadcrumb\":{\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage\",\"url\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png\",\"contentUrl\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png\",\"width\":2202,\"height\":640,\"caption\":\"Professional Indemnity Insurance Cover\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/mitigata.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Professional Indemnity Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mitigata.com\/blog\/#website\",\"url\":\"https:\/\/mitigata.com\/blog\/\",\"name\":\"Mitigata Cyber insurance & security blogs\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/mitigata.com\/blog\/#organization\"},\"alternateName\":\"Mitigata - smart cyber insurance\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mitigata.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/mitigata.com\/blog\/#organization\",\"name\":\"Mitigata: Smart Cyber insurance\",\"url\":\"https:\/\/mitigata.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mitigata.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata-Full-Stack-Logo-Black.png\",\"contentUrl\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata-Full-Stack-Logo-Black.png\",\"width\":648,\"height\":280,\"caption\":\"Mitigata: Smart Cyber insurance\"},\"image\":{\"@id\":\"https:\/\/mitigata.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/x.com\/mitigata\",\"https:\/\/www.instagram.com\/mitigata_insurance\/\",\"https:\/\/www.linkedin.com\/company\/mitigata-insurance\/\"],\"legalName\":\"Mitigata Insurance Broker private limited\",\"foundingDate\":\"2021-07-30\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/mitigata.com\/blog\/#\/schema\/person\/1abbbc9054b935ce7062272377e7b9fb\",\"name\":\"akshit k\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/mitigata.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2026\/03\/akshit-k_avatar.png\",\"contentUrl\":\"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2026\/03\/akshit-k_avatar.png\",\"caption\":\"akshit k\"},\"description\":\"Akshit is a cybersecurity professional with experience across threat intelligence, incident response, and enterprise security. He has worked with organisations across industries - helping them navigate cyber risks, meet regulatory requirements, and build stronger defences.\",\"url\":\"https:\/\/mitigata.com\/blog\/author\/akshit\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"PI Insurance Policy Explained in2026- Mitigata","description":"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, & how to pick the best.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/","og_locale":"en_US","og_type":"article","og_title":"Professional Indemnity Insurance Policy Explained","og_description":"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, & how to pick the best.","og_url":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/","og_site_name":"Mitigata Cyber insurance &amp; security blogs","article_published_time":"2025-09-06T10:23:13+00:00","article_modified_time":"2025-11-20T12:37:18+00:00","og_image":[{"width":2202,"height":640,"url":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png","type":"image\/png"}],"author":"akshit k","twitter_card":"summary_large_image","twitter_title":"Professional Indemnity Insurance Policy Explained","twitter_description":"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, & how to pick the best.","twitter_creator":"@mitigata","twitter_site":"@mitigata","twitter_misc":{"Written by":"akshit k","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#article","isPartOf":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/"},"author":{"name":"akshit k","@id":"https:\/\/mitigata.com\/blog\/#\/schema\/person\/1abbbc9054b935ce7062272377e7b9fb"},"headline":"Professional Indemnity Insurance","datePublished":"2025-09-06T10:23:13+00:00","dateModified":"2025-11-20T12:37:18+00:00","mainEntityOfPage":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/"},"wordCount":1103,"commentCount":0,"publisher":{"@id":"https:\/\/mitigata.com\/blog\/#organization"},"image":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage"},"thumbnailUrl":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png","keywords":["Professional Indemnity Insurance"],"articleSection":["Cyber Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/","url":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/","name":"PI Insurance Policy Explained in2026- Mitigata","isPartOf":{"@id":"https:\/\/mitigata.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage"},"image":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage"},"thumbnailUrl":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png","datePublished":"2025-09-06T10:23:13+00:00","dateModified":"2025-11-20T12:37:18+00:00","description":"Buying PI insurance? Learn exactly what professional indemnity insurance covers, including common claims, exclusions, & how to pick the best.","breadcrumb":{"@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#primaryimage","url":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png","contentUrl":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/09\/Professional-Indemnity-Insurance-Cover.png","width":2202,"height":640,"caption":"Professional Indemnity Insurance Cover"},{"@type":"BreadcrumbList","@id":"https:\/\/mitigata.com\/blog\/professional-indemnity-insurance-cover\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mitigata.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Professional Indemnity Insurance"}]},{"@type":"WebSite","@id":"https:\/\/mitigata.com\/blog\/#website","url":"https:\/\/mitigata.com\/blog\/","name":"Mitigata Cyber insurance & security blogs","description":"","publisher":{"@id":"https:\/\/mitigata.com\/blog\/#organization"},"alternateName":"Mitigata - smart cyber insurance","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mitigata.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/mitigata.com\/blog\/#organization","name":"Mitigata: Smart Cyber insurance","url":"https:\/\/mitigata.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mitigata.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata-Full-Stack-Logo-Black.png","contentUrl":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2025\/08\/Mitigata-Full-Stack-Logo-Black.png","width":648,"height":280,"caption":"Mitigata: Smart Cyber insurance"},"image":{"@id":"https:\/\/mitigata.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/mitigata","https:\/\/www.instagram.com\/mitigata_insurance\/","https:\/\/www.linkedin.com\/company\/mitigata-insurance\/"],"legalName":"Mitigata Insurance Broker private limited","foundingDate":"2021-07-30","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/mitigata.com\/blog\/#\/schema\/person\/1abbbc9054b935ce7062272377e7b9fb","name":"akshit k","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mitigata.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2026\/03\/akshit-k_avatar.png","contentUrl":"https:\/\/mitigata.com\/blog\/wp-content\/uploads\/2026\/03\/akshit-k_avatar.png","caption":"akshit k"},"description":"Akshit is a cybersecurity professional with experience across threat intelligence, incident response, and enterprise security. He has worked with organisations across industries - helping them navigate cyber risks, meet regulatory requirements, and build stronger defences.","url":"https:\/\/mitigata.com\/blog\/author\/akshit\/"}]}},"_links":{"self":[{"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/posts\/5452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/comments?post=5452"}],"version-history":[{"count":28,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/posts\/5452\/revisions"}],"predecessor-version":[{"id":7457,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/posts\/5452\/revisions\/7457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/media\/5453"}],"wp:attachment":[{"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/media?parent=5452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/categories?post=5452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mitigata.com\/blog\/wp-json\/wp\/v2\/tags?post=5452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}