Voluntary Professional liability
When you invest your time, expertise, and dedication into your work, you want the confidence that you are prepared for any situation. Your work is invaluable — and our role is to help you protect it. Voluntary Professional Liability Insurance gives you the freedom to work, grow, and make decisions without the constant worry of unexpected claims or professional errors. Unlike mandatory professional liability insurance, which is required only for certain regulated professions, this policy is designed for anyone who wants to work responsibly and safeguard their professional reputation — even when the law does not require insurance.
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Professional liability insurance provides protection against third-party claims arising from professional negligence or errors. The insurance covers the costs of legal defense, court proceedings, and compensation for any damages incurred.
This insurance is suitable for any professional who provides services or solutions to clients, including consultants, financial and economic advisors, architects, designers, brokers, IT specialists and developers, lawyers, translators, etc.
- The amounts that the insured person is legally liable to pay as compensation for damages arising from the performance of their professional activities.
- Expenses incurred to limit or prevent damage, provided the insured acted with due care — even if these efforts were ultimately unsuccessful.
- Compensation for material damage, bodily injury, illness, or death caused to third parties during the insurance period, in premises or locations where the insured carries out their primary or related activities, within the limits specified in the policy.
- Fees and legal expenses incurred during compensation proceedings initiated by a claimant, when such costs are covered under the terms of the policy.
- Loss of profit that is a direct and immediate consequence of unlawful damage.
- Interest for delayed payment, when the insured is legally responsible for paying such interest to the injured party, within the policy’s liability limits.
- Optional coverage for liability related to lost profits resulting from breach of contractual obligations.
- Full reimbursement of approved expenses — the insurance includes no deductible, ensuring 100% coverage of eligible costs.
- Individual approach and precise risk assessment, tailored to the specifics of each client’s professional activity.
Frequently Asked Questions
The insurance premium is determined in accordance with the company's current tariff after conducting an individual analysis of the customer's insurance interest, based on a completed proposal form.
Even if it is not required by law, this insurance policy is a great solution for every professional. It guarantees assistance against financial or reputational risk resulting from the performance of your professional duties.
Yes, this insurance allows coverage for more than one insured person. You can include employees, partners, or other related persons who perform commitments on your behalf.
The insurance may include additional coverage for lost profits due to breach of contractual obligations for an additional fee.
In the event of an insured event, please contact us on our toll-free 24-hour hotline: 0800 10 200. Our representative will review the case for assistance and, if necessary, we will pay compensation in accordance with the terms of the insurance policy.
