This policy is designed to give cover for all professionals & experts like architect, consultants, advisors, independent loss adjusters, independent surveyors, loss assessors, accountants, lawyers, auditors, insurance and other professionally licensed intermediaries, medical and pharmaceutical professionals, and other accredited & qualified professional.

When a professional is engaged to provide a specialist service, then that professional owes a duty of care by virtue of his contract or retainer with the client, to provide the best possible service, works, and advice to that client. If a professional breaches his or her duty of care or provides a sub-standard service which causes a financial loss on the client, then the victim of such professional negligence is entitled to bring a claim for compensation.