Professional Indemnity

Professional Indemnity (PI) insurance protects your business against claims for loss or damage made by a client or third party. Claims will arise when it is alleged that you have been negligent in the course of providing a service. It is not necessary for you to receive a fee in respect of the provision of that service for an allegation to arise. In addition to covering claim indemnity, PI insurance will also cover the legal and defense costs associated with resolving or defending a claim.

Scope of services at a glance

We are specialized in tailoring insurances for a range of different advisors, which covers the complex liability issues that may arise. We offer liability insurances for a range of different professionals e.g.:

  • Lawyers
  • Accountants
  • IT companies, consultants and software developers
  • Architects and engineers
  • Design and Construct firms
  • Housing associations
  • Property managers
  • Real estate agents
  • Insurance agents and brokers
  • Designers
  • Laboratory liability
  • Recruiters and HR consultants
  • Management and advisory board consultancy
  • Other consultants and professionals


Expertise in providing guidance

Professional and real-world know-how; HDI has acknowledged expertise in providing guidance for and managing liability claims, settlement discussions and mediation processes.


Liability cover

Globally consistent liability cover and compliant International insurance programmes that factor in the specific  requirements of individual countries to provide global insurance cover for a company’s worldwide business activities.

Claims management

Expert assistance in the event of major claims

HDI has many years of claims adjusting and settlement experience, including in highly litigious environments such as the USA. Major international claims are managed and settled by multilingual in-house liability experts in collaboration with local licensed lawyers. HDI partners with a network of experts to analyse and evaluate such claims. In the event of a claim, policyholders can rely on our proven single-source international claims management system.

Report a claim

Liability risk management

Profession-specific tools and expert systems enable systematic risk analysis to be performed. Continuous market observation, wide-ranging claims experience and professional expertise all lay the foundations for the appropriate risk assessment standards to which we work.

Working systematically with legal or contractual risk management has a number of advantages, both in terms of economical, administrative and corporate governance gains. It is important to consider the following:

  • Does the company have an overview of its exposure to contractual and legal risks?
  • Does the current insurance cover meets the actual needs of the company or is it necessary for a review of coverage and terms?
  • Has the company implemented best practice models through standard contracts, containing liability restrictions etc. – and can these be approved and agreed upon?