Solutions
Professional indemnity insurance
The policy that responds when your work causes your client a loss.
If your company provides services (development, consulting, design, marketing, advice), an error, a delay or an omission can turn into a claim with lawyers attached. Professional indemnity (in tech, often placed together with general liability) exists for that moment: in the digital market it is also the policy your enterprise clients require by contract.
What it typically covers in the Spanish market
- 01Professional errors and omissions
- Third-party claims for failures, delays or negligence in delivering the contracted service.
- 02Legal defence and bonds
- Lawyers' and experts' fees, court costs and bonds arising from the claim.
- 03Damages
- The compensation your company must pay the claimant, up to the insured limit.
- 04Pure financial loss
- The client's economic loss without prior physical damage: the typical software and services scenario.
What it normally does NOT cover
Deliberate or fraudulent acts.
Administrative fines and penalties (unless specifically covered and insurable by law).
Purely commercial disputes: discounts, fee refunds or price renegotiations without a loss.
Work performed before the retroactive date agreed in the policy.
A security incident in your systems is not a professional error: that belongs to cyber insurance. For digital businesses, professional indemnity and cyber are analysed as one decision.
When a digital business needs it
- 01
A consultancy deploys a change that halts its client's operations, and the client claims the loss.
- 02
An agency publishes a campaign with an error that forces its client to compensate third parties.
- 03
A SaaS signs an enterprise contract whose annex requires professional indemnity with a minimum limit.
- 04
An independent professional advises on a migration and the outcome is not what was agreed.
Start with the initial risk review
Before talking policies, we analyse your case in writing: an exposure map, an inventory of current cover and the gaps against professional indemnity and the other areas. Free of charge and without commitment; we reply within 1 business day.
Policy purchase is not available yet: we are building our carrier panel.
Indicative description of this line in the Spanish market. The exact scope of any cover is set by the specific policy wording and limits.