Professional indemnity insurance
Professional indemnity insurance covers claims from clients who say a mistake or oversight in your advice, design or service caused them a financial loss, including legal defence costs. It suits engineering and architecture firms, consultants, lawyers, accountants and IT companies in Qatar, especially when a contract asks for this cover. We request offers from several insurers licensed by Qatar Central Bank, explain the differences in limits and wording, arrange the policy and follow up any claim with the insurer.
In QatarIf a contract in Qatar asks you for PI cover, send us its insurance clause so the offers match the required limit and period.
- Offers from several licensed insurers, with wording explained
- Limits set to match your client contracts
- Defence costs covered, even for groundless claims
- We follow your claim with the insurer until closed
Cover at a glance
- Claims for errors, omissions or negligence in your professional work
- Legal defence costs and expenses agreed by the insurer
- Compensation awarded to the client, or a settlement the insurer agrees to
- Past work done after the retroactive date in the policy
- Loss of client documents or data in your care (policy dependent)
- Unintentional breach of confidentiality or defamation (policy dependent)
Cover
What is covered
- Claims for errors, omissions or negligence in your professional work
- Legal defence costs and expenses agreed by the insurer
- Compensation awarded to the client, or a settlement the insurer agrees to
- Past work done after the retroactive date in the policy
- Loss of client documents or data in your care (policy dependent)
- Unintentional breach of confidentiality or defamation (policy dependent)
What is not covered
- Dishonest, fraudulent or deliberate acts
- Claims or circumstances known before the policy started
- Bodily injury and property damage, unless from a professional error (policy dependent)
- Guarantees of results, costs or delivery dates
- Fines and penalties, and liability you accept by contract beyond what the law imposes
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Claim or demand from a client
- Policy number or a copy of the policy
- Claim letter, legal notice or court papers
- Contract or engagement letter with the client
- Your summary of the work done and the events
- Copy of the company's commercial registration (CR)
Notice of a possible claim
- Policy number or a copy of the policy
- Description of the issue and when you learned of it
- Emails and documents related to the issue
Need to make a claim?
Frequently asked questions
What is the difference between professional indemnity and public liability?
Public liability covers injury to people or damage to their property, such as a visitor who falls in your office. Professional indemnity covers the financial loss a client suffers because of a mistake in your advice, design or service.
What does a claims-made policy mean?
Most PI policies respond to claims made while the policy is active, for work done after the retroactive date. Keeping your cover continuous, with no gaps, protects you against claims about older projects.
Does PI cover decennial liability for engineers and architects?
Article 711 of the Qatar Civil Code (Law No. 22 of 2004) holds contractors and architects jointly liable for 10 years for the total or partial collapse of buildings and fixed structures. A PI policy may cover design error claims depending on its wording, while decennial liability is often insured under a separate policy, and we can request offers for both.
What should I do if a client complains about my work?
Tell us straight away so we can notify the insurer, and do not admit liability or offer a settlement without the insurer's agreement. Most policies require prompt notice of any claim or circumstance that may lead to one.