Professional Indemnity Kenya 2026 Complete Guide

Protect your professional reputation and finances against claims of negligence, errors, and omissions. Essential for lawyers, doctors, accountants, architects, engineers, and consultants.

Professional Indemnity (PI) insurance protects you against claims of negligence, errors, omissions, or breach of professional duty arising from your professional services.

Whether you're a lawyer, doctor, accountant, architect, engineer, consultant, or any other professional, a single claim can damage your reputation and finances. At Precise Insurance Agency, we compare PI plans from leading providers — Jubilee, Britam, CIC, APA, ICEA LION, and more.

PI insurance covers legal defense costs and compensation payments, ensuring your practice survives even the most challenging claims.

Did you know? Over 60% of professionals in Kenya are not adequately covered by PI insurance. Many professional bodies now mandate PI cover for practicing members.

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Professional Indemnity Insurance Kenya — Professional Cover
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Who Needs Professional Indemnity Insurance?

If you provide advice or services for a fee, you need PI cover.

Legal Professionals

  • Advocates / Lawyers
  • Legal advisors and consultants
  • Notaries and conveyancers
  • Required by the Law Society of Kenya (LSK)

Healthcare Professionals

  • Doctors and surgeons
  • Dentists
  • Pharmacists
  • Physiotherapists and chiropractors
  • Medical malpractice cover required by many hospitals

Financial & Business Professionals

  • Accountants and auditors (ICPAK requirement)
  • Financial advisors and planners
  • Insurance agents and brokers
  • Real estate agents and valuers

Design & Engineering Professionals

  • Architects (BORAQS requirement)
  • Engineers — civil, structural, mechanical, electrical
  • Quantity surveyors
  • Project managers and consultants

Other Professionals

  • IT consultants and software developers
  • Management and business consultants
  • Training and HR consultants
  • Marketing and PR consultants
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What's Covered & What's Not

Covered

  • Negligence, errors, and omissions in professional services
  • Breach of professional duty
  • Defamation and libel arising from professional work
  • Loss of documents and data
  • Legal defense costs and court fees
  • Compensation payments and settlements
  • Cyber liability (optional extension)
  • Regulatory defense and investigations

Not Covered (Exclusions)

  • Fraud or wilful misconduct
  • Claims known before the policy start date
  • Criminal acts and fines
  • Bodily injury (covered by public liability)
  • Professional services outside your expertise
  • Punitive damages
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Professional Indemnity Claims Process

  1. Notify your insurer immediately — As soon as you become aware of a potential claim or circumstance.
  2. Do not admit liability — Refer all claims to your insurer for handling.
  3. Gather documentation — Contracts, emails, reports, and any relevant records.
  4. Appoint legal representation — The insurer will appoint a solicitor to defend the claim.
  5. Investigation and assessment — The insurer investigates the claim and assesses liability.
  6. Settlement or defense — The claim is either settled or defended in court.

Key Point: PI insurance is "claims-made" — the policy in force when the claim is made, not when the work was done, is the one that responds.

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Professional Indemnity by Profession

Different professions face different risks. Here's what you need.

Lawyers

  • Common claims: missing deadlines, bad advice, conflict of interest, mishandling client funds
  • Minimum cover: LSK requires KES 5M per claim
  • Annual premium: KES 30,000-200,000

Doctors & Healthcare

  • Common claims: misdiagnosis, surgical errors, treatment negligence, medication errors
  • Annual premium: KES 50,000-500,000+
  • Higher limits recommended: KES 10M-50M

Accountants

  • Common claims: audit errors, tax advice, fraud investigation, bookkeeping errors
  • ICPAK requirement: KES 2M minimum
  • Annual premium: KES 25,000-150,000

Architects & Engineers

  • Common claims: design errors, structural failures, project delays, cost overruns
  • BORAQS requirement: KES 5M minimum
  • Annual premium: KES 30,000-300,000

IT Consultants

  • Common claims: software bugs, data breaches, system failures, cyber liability
  • Annual premium: KES 20,000-100,000
  • Cyber extension highly recommended
/ 05

Regulatory Requirements

Who Requires PI Insurance?

  • Law Society of Kenya (LSK): Advocates must have minimum PI cover of KES 5,000,000.
  • ICPAK: Accountants and auditors must have PI cover (minimum KES 2,000,000).
  • BORAQS: Architects and quantity surveyors must have PI cover (minimum KES 5,000,000).
  • Kenya Medical Practitioners and Dentists Council: Medical professionals must have malpractice cover.
  • Engineers Registration Board: Engineers registered with EBK must have PI cover.
  • Contractual requirements: Many clients and contracts require PI cover before engaging professionals.

Need to know: Not having PI cover can result in disciplinary action, fines, suspension, or loss of license to practice.

Get a Professional Indemnity Quote

Compare PI cover for your profession from leading insurers.

We'll compare plans from Jubilee, Britam, CIC, APA, ICEA LION and more to find you the best PI cover.

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Frequently Asked Questions

Professional indemnity insurance protects professionals against claims of negligence, errors, omissions, or breach of duty arising from their professional services. It covers legal costs and compensation payments.
Professionals who provide advice or services for a fee, including lawyers, doctors, accountants, architects, engineers, consultants, financial advisors, IT professionals, and real estate agents.
Yes for certain professions. Lawyers (LSK), accountants (ICPAK), architects (BORAQS), and medical professionals often require PI cover to practice. Many contracts also require PI cover.
PI insurance covers negligence claims, errors and omissions, breach of professional duty, defamation, loss of documents, and legal defense costs. It can also cover cyber liability and regulatory defense.
Premiums vary based on profession, turnover, claims history, and coverage limits. Typically KES 30,000-500,000+ per year. Higher-risk professions (doctors, lawyers) pay more than lower-risk professions (consultants, accountants).
PI covers claims arising from your professional advice or services. Public liability covers claims from third parties for injury or property damage caused by your business operations.
PI insurance is claims-made — the policy in force when a claim is made, not when the work was done, is the one that responds. This is why you must maintain continuous cover and consider run-off cover when retiring.
Notify your insurer immediately when you become aware of a claim or circumstance. Do not admit liability. Gather documentation and refer all claims to your insurer. They will appoint legal representation and manage the process.