Professional Indemnity Insurance

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Professionals are trusted and valued for their expertise and experience. They have responsibilities towards their customers and the general public. If things go wrong and someone suffers an injury, they could perceive that you have been negligent in your work and consequently, there could a longwinded legal battle. The PI policy provides the Insured cover against such legal costs.

  • Court awarded Damages
  • Defense Costs
  • Breach of Confidentiality
  • Court Appearance Costs
  • Out of Court Settlements
  • Intellectual property Breach
  • Libel and Slander
  • Loss of Documents


Prior Period Exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the professional liability insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal.

Known Issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the doctor became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first professional indemnity cover.

Unlawful Practice

If the information in the proposal form is different from actual practice you run the risk of claim rejection. For example, you may state that you have trained nurses but may not; you may have used an OT that is not properly licensed; or not declared your specialty appropriately in the form. We address this by ensuring that the proposal form is well filled and you understand the implications of each information.

Why Policy Nivesh

We are not selling anything online rather just educate customer about the product features , coverages, exclusions , claim settlement and all other things where customer get confused while buying any insurance/loans etc. If customer is satisfied with our product details than may ask for competitive quotes from various insurers.

Asked Questions

Doctor’s indemnity insurance policy can be taken by hospitals, individual physicians belonging to different areas of specialization, including the nursing staff and other technical and non-technical personnel’s working in a medical setting.
The doctor’s indemnity policy ceases to apply against liability arising due to –

  • Criminal act & fraudulence
  • Any surgery or procedure performed under the influence of alcohol or narcotics
  • Weight reduction procedure
  • Cosmetic procedure
  • Blood Banks etc.
There are various factors that influence the premium amount under doctor’s professional indemnity plan such as –

  • The area of specialization or risk group of the practitioner
  • The size of the hospital or the number of patients the physician attends to in a day
  • Past claim settlement
  • Limit of indemnity etc.
The duration of doctor indemnity insurance scheme is typically 1 year, after which the policy can be renewed to avail protection against liabilities.
Dentists who own private practice are generally not covered by doctor’s professional indemnity insurance policy. However, if dental procedure is conducted in a hospital with or without the use of anesthesia, medical complication arising from that may be covered by the professional indemnity insurance for doctors. It is best advised to check with the insurer regarding the same.
As soon as the insured gets a legal notice or learns about a medical negligence, error or omission, the insured musts start preparing to file for a claim settlement.

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