What professional insurance is available?

 

Even the most competent professional will sometimes make a mistake that results in legal action being taken against them.

Consequently, many professions require their practitioners to insure themselves against damages caused by their negligence.

What may be covered?

If you have a professional negligence claim, your solicitor is likely to base it on what their insurance will cover. This is because it is considerably easier to enforce a judgement against an insurance company than a private individual.

Even members of the wealthier professions such as doctors and lawyers may have limited personal assets and it would not be practical to sue them were they not insured.

In fact, professional indemnity insurance tends to have wide coverage. This reflects both the fact that it is often compulsory and that it is rarely called upon.

Ordinarily you should expect a professional to be covered for damages up to several million pounds. Those who regularly deal with even larger sums should have insurance enough to cover themselves.

Learn more about these types of claims by visiting our professional negligence pages.

Avoid unregulated practitioners

The cost of being insured is one of the reasons why engaging a regulated professional can be so expensive. Sometimes it is tempting to find an unregulated practitioner since they tend to be cheaper. You should be very wary about doing so.

If a lawyer or other professional is not regulated, they may well not be insured if anything goes wrong. Although you can of course still make a claim against them, there will be nothing you can do to enforce it if you win but they cannot pay.

Furthermore, there is a considerably higher risk of things going wrong since they will not have had to comply with the training and education criteria that regulatory bodies impose.

However, for some very simple tasks, it may be prudent to risk using an unregulated practitioner. Contact Law can advise you about what is suitable for your case.  

If you have a legal case involving a professional, we can put you in touch with a specialist solicitor free of charge. Please call us on 0800 1777 162 or complete the web-form above to speak to an advisor.

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