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Professional Negligence
Protects against legal liability resulting from a negligent act, error, or omission during professional duties.
Solutions > Professional Indemnity
Protect Your Practice Against Claims of Professional Negligence
Professional Indemnity protects the professional against legal liability by paying damages to persons who sustain financial loss arising from the professional's negligence, or that of their employee, in the conduct of business. It is a 'cla
Claims Made Indemnity
Covers claims first notified to the insured during the active policy term.
Legal Defense Costs Included
Pays attorney billing fees and court representation costs in addition to damages.
What is Professional Indemnity Insurance?
Professional Indemnity protects the professional against legal liability by paying damages to persons who sustain financial loss arising from the professional's negligence, or that of their employee, in the conduct of business. It is a 'claims made' policy — it covers claims first notified to the insured during the policy period, regardless of when the event giving rise to the claim occurred.
Highlights
- Indemnity for professional-negligence claims and legal defense costs.
- Claims-made basis: covers notifications first received during policy year.
- Tailored protection for doctors, lawyers, accountants, and consultants.
- Defense costs covered in addition to your chosen indemnity limit.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Professional Indemnity?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Legal Defence Costs
Covers lawyer fees, court expenditures, and representation costs incurred in defending negligence claims.
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Breach of Duty
Indemnifies claims arising from breach of professional duties, confidentiality, or trust.
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Employee Negligence
Extends coverage to errors or omissions committed by your qualified employees, trainees, or assistants.
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Loss of Documents
Covers the reasonable costs of restoring, replacing, or rewriting lost or damaged client files.
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Libel, Slander & Defamation
Covers accidental libel or slander committed in good faith during professional services.
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Inquest Representation
Reimburses legal representation costs at official coroner inquiries or disciplinary hearings.
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Dishonesty of Employees
Provides financial indemnity for losses caused by the dishonest acts of your employees.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Practicing professionals and firms in Uganda (doctors, lawyers, engineers, architects, accountants, consultants).
Requirements
Completed proposal form detailing the profession, service details, gross fee income, and claims history.
Premium Rating
Rated on profession risk category, chosen limit of indemnity, gross fee scale, and risk history.
Key Exclusions
Criminal/fraudulent acts, matters known before policy start, and government fines/penalties.
How to Buy Professional Indemnity Cover?
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Complete the proposal form specifying your profession, services, and gross annual fee income.
2
Select the required limit of indemnity suitable for your firm's professional exposure.
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Review the liability premium quotation calculated on your specific practice profile.
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Confirm proposal details, complete premium payment, and bind your professional liability cover.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It covers your legal liability to pay damages to clients who suffer financial loss from a negligent act, error, or omission in your professional work, plus associated defense costs.
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“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
