{"id":378,"date":"2024-12-17T13:43:32","date_gmt":"2024-12-17T13:43:32","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=378"},"modified":"2025-08-18T11:24:12","modified_gmt":"2025-08-18T10:24:12","slug":"professional-indemnity-claims-examples","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/professional-indemnity-claims-examples","title":{"rendered":"Real-life professional indemnity insurance claims examples"},"content":{"rendered":"
\n
\"Professional<\/figure>\n<\/div>\n\n\n

We\u2019re going to assume that you already know a bit about professional indemnity (PI) insurance. If you don\u2019t, no problem, have a read of our guide to PI<\/a>. It\u2019ll help get you up to speed.<\/p>\n\n\n\n

Now, we know that PI insurance helps protect your business if a client alleges you\u2019ve been negligent and made a mistake. Or if they say you haven’t done your job to the expected standard. <\/p>\n\n\n\n

But we also know no two PI claims are alike\u2026and that the potential outcomes can be very different. So, to illustrate how one might go, we\u2019re going to give you some real-life professional indemnity insurance claims examples.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Duty-bound<\/h2>\n\n\n\n

Specific claims vary by industry so it\u2019s difficult to cover everything here. For example, architects<\/a> don\u2019t face exactly the same risks as accountants<\/a>. Claims against photographers<\/a> are different from those against IT consultants.<\/p>\n\n\n\n

Nevertheless, it\u2019s important to take on board that all<\/strong> professionals have a duty of care<\/a> to their clients when they undertake work for them. It\u2019s a breach of that duty of care that usually results in a claim.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Blame game<\/h2>\n\n\n\n

Call it Murphy\u2019s Law or simply \u2018a bad day\u2019\u2026but mistakes are likely to happen at some point when you\u2019re doing some work for someone.<\/p>\n\n\n\n

Nobody\u2019s perfect, of course. Still, most clients expect better-than-the-average-man-in-the-streets levels of expertise when they hire you. And they\u2019re likely to be particularly unforgiving if that means they lose out (or think<\/em> they’re losing out) financially.<\/p>\n\n\n\n

To fix matters, they\u2019ll want compensation, whether you\u2019re actually at fault or not. Unfortunately, any professional can be accused of negligence<\/a>. And if someone does sue you, regardless of whether the claim is valid or not, you’ll still have to do something about it.<\/p>\n\n\n\n

And that’s where your professional indemnity insurance<\/a> helps \u2013 by fighting claims against you and picking up the tab for legal costs and any compensation you owe at the end of it.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Common professional indemnity insurance claims examples:<\/h2>\n\n\n\n

Professional indemnity insurance covers a whole range of different claims scenarios<\/a>, including defamation and loss of physical documents. In our experience, these types of claims are relatively rare, though.<\/p>\n\n\n\n

The examples of professional indemnity insurance claims we see our customers face most often are usually to do with one of the following:<\/p>\n\n\n\n

<\/p>\n\n\n\n

1. Making a mistake (negligence)<\/strong><\/h3>\n\n\n\n

\u2018Negligence\u2019 is a broad term and it covers a whole range of possible circumstances. It certainly doesn’t need to be deliberate or even obvious.<\/p>\n\n\n\n

But in the context of most professional indemnity insurance claims examples, \u2018negligence\u2019 is where you\u2019ve failed to deliver the professional service you owe your client (that \u2018duty of care\u2019 thing we mentioned at the start). And it costs them money.<\/p>\n\n\n\n

This could be anything from a flawed design for a conservatory that requires a total rebuild, to an accounting error in a client\u2019s books which means they’re fined by HMRC for underpaying tax.<\/p>\n\n\n\n

<\/p>\n\n\n\n

2. Sharing someone\u2019s private information without their permission (breach of confidentiality)<\/h3>\n\n\n\n

Examples of professional indemnity insurance claims that involve a breach of confidentiality are almost always down to human error. They\u2019re usually because someone\u2019s accidentally lost or shared their client\u2019s confidential data in a way that\u2019s particularly damaging to them.<\/p>\n\n\n\n

It\u2019s easily done in this tech-forward age, where lots of sensitive information could potentially be seen by lots of the wrong people with one too-hasty click of a mouse.<\/p>\n\n\n\n

We\u2019ve seen claims examples where a customer\u2019s professional indemnity insurance has had to step in and save the day because they’ve emailed their client\u2019s sales report to a competitor by mistake. An embarrassing and costly mistake to fix without PI, when you factor in both the court costs and compensation you would be liable for.<\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Using someone else\u2019s work without their permission (intellectual property infringement)<\/h3>\n\n\n\n

There are many different ways<\/a> to breach someone\u2019s intellectual property, including copyright infringement and intellectual property (IP theft). The examples we see most often among professional indemnity insurance claims is where some hapless pundit has used someone else\u2019s work and not credited them properly.<\/p>\n\n\n\n

Again, it\u2019s easily done. It\u2019s not always clear who owns what on the internet. And if you mistakenly pull someone\u2019s image from a stock image library and use it outside of the limits of its license, or reproduce copyrighted material without permission, you run the risk of receiving a letter from the owner\u2019s solicitor.<\/p>\n\n\n\n

What\u2019s more, you can get into trouble not just for nicking someone else\u2019s work but for copying their ideas too. So, you\u2019d better make sure you do your research on what intellectual property is<\/a>\u2026a common claim we see is where someone\u2019s logo, brand, business model, or any other tangible aspect of their business, closely resembles that of a competitor.<\/p>\n\n\n\n

<\/p>\n\n\n\n

6 real-life professional indemnity insurance claims examples<\/h2>\n\n\n\n

As promised, here are some actual<\/em> professional indemnity insurance claims examples (of various types) we’ve dealt with, made against actual<\/em> clients (of various types).<\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 1: The architect<\/h3>\n\n\n\n

An architect was sued by his client for the costs of rectifying an extension built from a flawed design. The insurer paid \u00a322,500.<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 2: The web designer<\/h3>\n\n\n\n

Image owners sued a web designer\u2019s client for using unlicensed pictures on his website. The client sued the web designer. The insurer paid \u00a39,000.<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 3: The logistics company<\/h3>\n\n\n\n

A logistics company was sued by a competitor for copyright infringement and intellectual property theft relating to their business model and their website. The insurer paid \u00a3170,000.<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 4: The IT consultancy<\/h3>\n\n\n\n

An IT consultancy\u2019s web hosting partner company was hacked \u2013 the consultancy\u2019s clients\u2019 websites went offline for a day. The consultancy was sued for loss of business by one of its clients. The insurer paid \u00a33,200.<\/strong> (Thank goodness it didn’t go on for longer.)<\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 5: The marketing agency<\/h3>\n\n\n\n

A marketing agency omitted a digit from a client\u2019s phone number and left out their web address in a printed advert. A commercial decision was made to reprint the advert at the agency\u2019s cost. The insurer paid \u00a321,995.<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n

Claim 6: The wedding photographer<\/h3>\n\n\n\n

A wedding photographer was accused of not getting the shots the happy (now unhappy) couple wanted. They complained to the photographer, demanding some of their money back. The insurer paid \u00a31,400.<\/strong> (A small claim but one we see happen fairly often.)<\/p>\n\n\n\n

<\/p>\n\n\n\n

Makes you think, doesn\u2019t it?<\/strong><\/h2>\n\n\n\n

What\u2019s clear from this quick run-down of real-life examples is that professional indemnity insurance claims come in all shapes and sizes. And cost a lot of money when you stack up compensation and defence costs \u2013 not forgetting that the sums involved get more eye-watering by the year.<\/p>\n\n\n\n

Mistakes happen no matter how careful you are\u2026or think you are. Anticipating them isn\u2019t easy (you wouldn\u2019t need professional indemnity insurance<\/a> if it was) but, thankfully, protecting yourself is. <\/p>\n\n\n\n

To find out more about how, call our team on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Image used under license from iStock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

We\u2019re going to assume that you already know a bit about professional indemnity (PI) insurance. If you don\u2019t, no problem, have a read of our guide to PI. It\u2019ll help get you up to speed. Now, we know that PI … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129],"tags":[45,137,171,299],"class_list":["post-378","post","type-post","status-publish","format-standard","hentry","category-professional-indemnity-insurance","tag-claims-2","tag-insurance-explained","tag-negligence","tag-professional-indemnity-insurance"],"acf":[],"yoast_head":"\r\nprofessional indemnity insurance claims examples<\/title>\r\n<meta name=\"description\" content=\"These professional indemnity insurance claims examples serve as a warning of what can go wrong, and how much it costs.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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