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1000+
Businesses Covered
200cr+
Claims Processed
95%
Claims Paid

What E&O / PI Insurance Covers:

Protects businesses against financial losses and legal claims arising from errors, omissions, negligence or failure in the delivery of professional services.

01

Financial Loss Caused to Clients

Covers financial losses arising from professional mistakes, errors or negligence that cause financial loss to a client.

02

Failure to Deliver Agreed Services

Covers financial losses arising when agreed professional services or deliverables are not provided as promised.

03

Breach of Confidentiality

Covers financial losses arising from accidental disclosure, misuse or failure to protect a client’s confidential information.

04

Breach of Contract

Covers financial losses arising from an alleged unintentional breach of contractual obligations while providing professional services.

05

Loss of Client Documents or Data

Covers financial losses arising from the loss, damage or accidental destruction of client documents or data entrusted to the business for delivering professional services.

06

Employee Fraud or Dishonesty

May cover certain claims arising from employee fraud or dishonesty while delivering professional services, where specifically covered under the policy.

What's Not Covered Under E&O / PI Insurance?

Fraud & Intentional Wrongdoing

Criminal, fraudulent or deliberately dishonest acts.

Critical Infrastructure Failures

Widespread power, internet or network outages affecting service delivery.

Losses To Your Own Business

Lost revenue, penalties or expenses arising from unintentional mistakes while rendering professional services.

Claims Without Third-Party Loss

Does not cover claims where a third party has not suffered direct financial loss.

Why Prioritise E&O / PI Insurance?

growing use of AI

AI can create uncertain or inconsistent outcomes in client deliverables, particularly when businesses do not have complete control over the accuracy or consistency of AI-generated outputs.

Global Customers

Global clients increasingly prefer vendors with PI insurance, as it demonstrates stronger risk management and provides a defined financial and legal response where covered errors in the vendor’s services cause a client loss.

growing use of AI

AI can create uncertain or inconsistent outcomes in client deliverables, particularly when businesses do not have complete control over the accuracy or consistency of AI-generated outputs.

Technology and software risk

Software updates, patches and product iterations can introduce errors that affect client operations and cause financial loss, making E&O / PI protection particularly important for technology businesses.

Global Customers

Global clients increasingly prefer vendors with PI insurance, as it demonstrates stronger risk management and provides a defined financial and legal response where covered errors in the vendor’s services cause a client loss.

Growth of service-based businesses

As more products are delivered as recurring services, failures to meet agreed service levels or deliverables can create significant professional liability exposure.

Technology and software risk

Software updates, patches and product iterations can introduce errors that affect client operations and cause financial loss, making E&O / PI protection particularly important for technology businesses.

Growth of service-based businesses

As services scale and contract timelines lengthen, failures to meet agreed service levels can create significant professional liability exposure.

Frequently Asked Questions

What does E&O cover, and how is it different from Cyber Insurance?
E&O / PI generally covers claims arising from alleged errors, omissions, negligence or failures in professional services delivered to a client.
Cyber Insurance, on the other hand, generally responds to data breaches, system breaches and other cyber events that result in first-party losses or third-party liability.
Why do global clients prefer vendors to have E&O / PI Insurance?
Larger organisations generally follow strict governance, compliance and risk-management standards. Working with insured vendors gives them a defined financial and legal route if incomplete, negligent or incorrect services cause them a loss.
What happens if a client sues us for errors in the services that we provided to them?
E&O acts as your financial buffer. It absorbs the expensive cost of hiring international defense lawyers, handling court fees, and paying out court-mandated settlements, ensuring a client dispute doesn't wipe out your cash runway.
Does E&O cover lawsuits filed against us in overseas jurisdictions like the US or Europe?
Yes. Modern E&O policies can be configured with Worldwide Jurisdiction. This ensures your legal defense and potential claim payouts are fully covered, even if an international client drags you into a foreign court.