Do I need PI if I am not in a regulated profession?

Legally no, but practically yes for any professional whose advice clients pay for. A single significant claim can wipe out years of profit. Most B2B contracts now require PI as a condition.

How much cover do I need?

It depends on the size of typical engagements, regulatory minimums, and client contract requirements. For most SME professionals, KES 10M–25M is a reasonable starting point. We benchmark against your peer group before recommending limits.

What is run-off cover and why does it matter?

Run-off cover continues the PI policy for a period (typically 6–7 years) after you retire or wind up the firm — so historical work remains insurable for as long as claims can validly be brought. Without it, every claim made post-retirement falls on you personally.

Are partners covered jointly and severally?

Yes — partnership and corporate PI policies typically cover the firm and all current and former partners and employees. We confirm the run-off treatment for partners who exit during the policy year.

Business & Commercial Insurance

Professional Indemnity Insurance

Protects professionals against third-party claims of negligence, errors, omissions, or breach of professional duty in their work.

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Lawyers, doctors, engineersLegal defence costsRetroactive cover availableReputation protection

Legal Defence

Costs Included

Retroactive

Cover Options

Legal Defence

Costs Included

Retroactive

Cover Options

Years Experience

Underwriter Partners

Claims Paid 2024

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Professional Indemnity (PI) insurance pays for the legal defence costs and any damages awarded against a professional accused of providing negligent advice, work, or services that caused a client financial loss. In Kenya, several professional bodies — including the Medical Practitioners and Dentists Council, LSK, IEK, ICPAK, and ARC-Kenya — require members to hold PI cover as a condition of practice.

Vike places PI for individual practitioners, partnerships, and firms across regulated and unregulated professions. We focus on getting the wording right — sum insured, basis (claims-made vs occurrence), retroactive date, and exclusions — because PI claims often emerge years after the work was done, and the wrong wording can leave a perfectly valid claim unpaid.

What It Covers

Legal defence costs in respect of allegations of professional negligence
Damages awarded against the professional, up to the policy limit
Breach of professional duty, errors, and omissions
Loss of documents or client data (subject to extension)
Libel and slander arising from professional advice (limited extension)
Defence of disciplinary proceedings before a regulator (extension)
Run-off cover after retirement or sale of the practice
Cover for sub-consultants on the firm's projects (subject to declaration)

Who It's For

Doctors, dentists, surgeons, and other medical practitioners
Lawyers, advocates, and law firms
Engineers, architects, quantity surveyors, and project managers
Accountants, auditors, and tax advisors
IT consultants, software developers, and system integrators
Management consultants, valuers, and brokers

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

Medical Malpractice

PI tailored for medical practitioners. Higher limits reflecting the size of clinical negligence awards, defence cost provisions for inquests, and cover for regulatory disciplinary proceedings. Sum insured typically KES 10M–100M depending on specialism.

Legal Professional Indemnity

Required by LSK for advocates. Standard limits start at KES 5M and scale with firm size. Includes cover for client funds (subject to wording) and run-off after dissolution of the firm.

Engineering & Construction PI

For engineers, architects, and surveyors. Covers design errors, supervision failures, and contract-related claims. Project-specific PI is also available for one-off large engagements.

IT & Tech Professional Indemnity

For software houses, consultants, and integrators. Covers code errors, system failures, missed deadlines causing client loss, and breach of intellectual property. Increasingly bundled with cyber liability.

General Consultants & Advisors

Catch-all PI for management consultants, recruiters, valuers, training providers, and other advisory businesses. Wording can be tailored to specific deliverables.

Real-World Scenarios

Engineer sued over a collapsed structural element

A consulting structural engineer is named in a claim three years after sign-off. PI cover (taken on a claims-made basis with the right retroactive date) pays for senior counsel, expert witnesses, and any settlement or award — typically the largest single financial exposure an individual professional ever faces.

Accountant accused of negligent tax advice

A client receives a KES 12M KRA assessment they attribute to the accountant's advice. The PI insurer appoints tax counsel to defend, and if liability is found, indemnifies the financial loss up to the policy limit. The accountant's reputation and firm continuity are preserved.

Software firm misses a contracted go-live date

Client claims KES 8M in lost revenue due to delayed system delivery. IT PI covers the legal defence and any damages found payable. The right wording also pays for engineers' time to remediate the issue (subject to limits).

Optional Benefits & Add-ons

Cyber liability — increasingly bundled with PI for tech firms

Run-off cover for 6–7 years after retirement or firm closure

Loss of documents and data extension

Cover for sub-consultants under your supervision

Regulatory and disciplinary defence costs

Public liability bolt-on (for site-based professionals)

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

Claims-made (the Kenyan standard) responds to claims made and reported during the policy period — regardless of when the work was done. Occurrence responds to incidents that occurred during the policy period. The retroactive date on a claims-made policy is critical: if it is wrong, historical work is uninsured.