Business insurance
Your advice, defended.
Cover for claims of negligence, errors or bad advice — so one disputed call doesn't sink your practice.
- Negligence & errors
- Legal defence costs
- Bad or incorrect advice
Professional indemnity (PI) insurance protects you and your business against claims that your advice, designs or professional services caused a client financial loss. If you're paid for your expertise, a single allegation of negligence or error — even an unfounded one — can cost a fortune to defend.
Ample arranges professional indemnity cover across South Africa's leading insurers, tailored to your profession, so a claim doesn't threaten your reputation or your balance sheet.
What Professional Indemnity covers
Negligence & errors
Claims that your work was negligent, wrong or fell short of the standard expected.
Legal defence costs
The cost of defending a claim, even where you're ultimately not at fault.
Bad or incorrect advice
Losses a client suffers from acting on your professional advice.
Breach of duty
Alleged breaches of professional or contractual duty of care.
Loss of documents & data
Costs of restoring lost or damaged client documents and records.
Retroactive cover
Cover for past work, subject to terms — important when switching insurers.
Who professional indemnity is for
- Consultants, engineers and architects
- Accountants, brokers and advisors
- IT, marketing and creative agencies
- Any business paid for advice or expertise
Professional Indemnity FAQs
Who needs professional indemnity insurance?
Anyone whose clients rely on their advice, designs or services — consultants, engineers, accountants, IT firms, agencies and more. Many client contracts and professional bodies now require it.
What's the difference between PI and public liability?
Public liability covers physical injury or property damage. Professional indemnity covers financial loss caused by your advice or services — a different and very real exposure for knowledge-based businesses.
What does 'claims-made' mean?
PI is usually written on a claims-made basis: the policy must be in force when the claim is made, not just when the work was done. That's why continuous cover and retroactive dates matter — we manage this for you.
Does it cover work I did in the past?
It can, through a retroactive date that extends cover to past services. Keeping continuous PI cover protects you against claims that surface years after the work — we make sure there are no gaps.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related business cover
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- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30