Liability & Risks · Cover Explained责任防范 · 险种解读
Professional Indemnity专业责任险
Professional Advice Errors专业意见错误保障
What it covers
Legal compensation claims from negligence, errors, or omissions (E&O) in professional duties that cause financial loss to clients. Claims-Made basis.
Scope of cover
- Compensation for financial loss from professional negligence
- Legal defence costs (regardless of merit)
- Document restoration costs
Claims-Made explained
This policy covers claims MADE during the policy period, not when the error occurred. A policy lapse can leave you exposed for past work. Always renew without gaps.
Exclusions
- Fraudulent, dishonest, or criminal acts
- Acts before the Retroactive Date
- Known undisclosed claim facts
保障承诺
承保专业人士因履行职务时的疏忽、错误或遗漏，导致客户遭受经济损失而面临的赔偿请求，按索赔提出制运作。
保障范围
- 专业疏忽导致的经济损失赔偿
- 法律辩护费用（无论指控是否成立）
- 文件丢失或损毁的恢复费用
索赔提出制说明
此保单覆盖在保单期间内“提出“的索赔，而非错误发生的时间。保单失效可能导致过去工作无保障。务必持续续保，不留空档。
不保事项
- 欺诈、不诚实或犯罪行为
- 追溯期之前发生的行为
- 已知且未申报的索赔事实
Also in Liability & Risks同属责任防范
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。