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Professional Indemnity claims require more than a simple investigation into liability. Coverage, liability, quantum and recovery issues are often closely connected, with early decisions having a significant impact on both indemnity exposure and defence costs.
Drawing upon extensive domestic and international experience, Specialist Lines combines technical expertise with commercial pragmatism to provide insurers with clear, evidence-based advice throughout the lifecycle of a claim. We have managed complex multi-party matters across a broad range of professions, including architects, engineers, solicitors, accountants, insurance professionals, technology consultants and construction specialists, with experience handling domestic and international claims exceeding US$50 million in exposure.
Coverage issues are frequently central to Professional Indemnity claims, including notification, claims-made policy triggers, aggregation, retroactive dates and contractual assumptions of liability. Specialist Lines develops an early understanding of policy response, liability exposure and realistic claim values, enabling insurers to make informed decisions regarding investigation strategy, expert involvement and legal spend. By identifying the issues most likely to influence the outcome of a claim, we help insurers control costs, improve reserving accuracy and achieve commercially sensible resolutions.