Damages which the insured shall become legally liable to pay as a result of any actual or alleged (other than by the insured) negligent act, error or omission committed in the performance of the professional duties of the insured undertaken in the course of or in connection with the business on or after the retroactive date shown in the schedule, and which results in a claim or claims first being made against the insured in writing during the period of insurance.

• Anyone or any company that provides a professional service, knowledge or gives advice may have a need for PI cover.
• General professional services firms require this cover, examples of these are:

• • (Teachers or Educationists)
  • Churches and Religious Officials
  • Legal environments ( attorneys/ advocates/ legal services)
  • Built environment (consulting engineers, architects, project managers, developers, contractors)
  • Financial environment  (accountants, auditors, actuaries, brokers, financial institutions etc.)
  • IT firms, multimedia companies, travel agents, management consultants, valuators, loss adjustors etc.)
  • And many more