專業彌償保險
專業彌償保險專門為專業人士而設的，這種保障是承擔專業行為及不當的失誤，其中包括提供不適當的意見。保障主要集中律師、醫生、護士、會計師、建築師、基金經理、基金受托人、保險經紀等。
專業彌償保險一般只就專業人士出現的錯誤或疏忽，而導致第三者受傷、遭受財產損失或損害、或遭受財務損失而承擔的法律責任。
保單還承保法律開支，即用於替被保人辯護或堅持拒絕第三者申索的法律開支，及申索成功的第三者的法律開支。保單通常設有一個總責任限額，適用於所有在保險期限内提出的申索。
但保障只適用被保人在正常情況出現的錯誤，一切出現不誠實、詐騙、刑事或惡意行為、一切不當行為導致及促成的法律責任都屬於一些不保事項。所以被保人必須確保索償原因是在正常程序中出現。
介紹 A person who specializes in particular skills and professes to exercise those skills in the affairs of others is bound to exercise the care and skill of ordinary competent practitioners in that profession. Failure to do so may result in liability claim or lawsuit alleging breach of professional duty. Professional Indemnity policy (PI) provides indemnity against such potential professional liability exposure. Our Principal Insurer offers PI to a wide range of professions such as lawyers, accountants, architects, engineers, surveyors, general medical practitioners, opticians, estate agents and etc. As liability is intangible in nature, a professional proposer would have to choose the limit of indemnity (sum insured) as he deems appropriate and necessary. Coverage To indemnify against insured's legal liability to compensate for loss sustained by third party as a result of negligent act, error or omission committed by insured in the course of conducting the profession. In addition to such compensation (damages), it also pays for legal costs and expenses in connection therewith. The limit of indemnity is inclusive of legal costs and expenses. Basis of Indemnity Our PI policy is on ''Claims Made'' basis. It means that PI policy will only cover claim made against insured during the policy period. ''Claim made'' means a written claim/demand issued or lawsuit instituted by third party seeking compensation for his loss. Third Party's Loss Covered PI policies for different professions cover different type of third party losses. Basically, as follows: General Medical Practitioners, Opticians - bodily injury (including death) only; Lawyers, Accountants, Quantity/Land Surveyors, Estate Agents - financial loss only; Architects, Engineers - financial loss, bodily injury (including death) and property damage. Retroactive Cover If policy states a retroactive date, it will only cover claims (made against insured during the policy period) resulting from negligent acts, errors or omissions committed by insured after such retroactive date. Retroactive date can be the policy inception date or a date way back in the past. However, no retroactive cover will be granted to a professional proposer who does not have PI cover previously. Principal Exclusions Dishonesty, fraud * Libel or Slander* Loss of or damage to property (including document) in the Insured's Care, Custody or Control* Contractual or assumed liability Fines, Penalties, Exemplary or Punitive Damages Infringement of Intellectual property rights Claim by or against parent company, subsidiary or associated company Directors' & Officers' liability Asbestos liability, Urea Formaldehyde, AIDS Pollution liability Radiation or nuclear Terrorism or War (The above are the common principal exclusions of a PI policy. Please refer to PI Policy for the profession concerned for a complete list of and details of all exclusions.) Extensions (optional and with additional premium) Dishonesty of Employees* Libel & Slander* Loss of Documents* Documents Required For Applying A PI Policy For both new and renewal risks and all requests for quotation must be by way of submitting the following documents to the Liability Unit at Head Office: Duly completed, signed and dated PI Proposal Form (There are different PI Proposal Forms for different professions) Any other document as required and stated in the Proposal Form Details (date, nature, amount and status of loss) of previous claims/losses (if any) | 介紹 一位，特别是专业技能 和自称他人行使这些技能的事务行使一定的照顾和主管该行业的普通从业人员的技能。 不這樣做可能會導致責任的索赔或訴訟，指控違反專業責任。專業彌償政策（PI）的規定對這些潛在的專業彌償責任風險。 我们的主要保险公司提供专业弥偿保险的范围广泛的行业如 律师，会计师，建筑师，工程师，测量师，普通科医生，眼科医生，地产代理等. 由於責任在性質上是無形的，專業的提議將不得不選擇賠償額（保額），因為他認為適當的和必要的。 覆蓋 對保險賠償的法律責任，以彌補損失由第三者持續，結果的疏忽行為，錯誤或遺漏承擔由被保險人在活動過程中進行的職業。 除了這些賠償（損害賠償），它也支付法律費用及開支與此有關。 賠償的極限是包容性的法律費用及開支。 赔款基礎 我們的专业弥偿是對有''提出索赔 ''的基礎。 這意味著，有價證券投資政策將只包括對被保險人提出索賠，在保險期間。 ''提出索赔 ''主張中提出的書面要求/需求簽發或提起訴訟，由第三方要求賠償他的损失. 第三方的損失专业弥偿有價證券政策涵蓋不同專業涵蓋不同類型的第三方的損失。 (基本上，具體如下：) 普通科醫生，配鏡-人身傷害（包括死亡），僅律師，會計師，數量/土地測量師，地產代理-經濟損失，僅建築師，工程師-財務損失，人身傷害（包括死亡) 和財產損失。 追溯覆盖 如果保单規定追溯日期，將只包括債權（對被保險人在取得保險期間）造成的疏忽行為，錯誤或遺漏承擔由被保險人如追溯日期之後。追溯日期可以在保單生效日期或回程的日期在過去。 (但是，沒有追溯覆蓋將給沒有专业弥偿保险以前予專業的被保人。 ) 主要排除 不誠實，欺詐* 誹謗和污衊* 損失或損壞財產（包括文件）在被保險人的關懷，保管或控制* 合同或承擔法律責任 罰款，處罰，懲戒性或懲罰性賠償 侵犯知識產權 索賠或對母公司，子公司或聯營公司 董事及高級職員責任 石棉責任，尿素甲醛，艾滋病 污染責任 輻射或核 恐怖主義或戰爭 （以上是常見的一種有價證券投資主體排除政策。請參閱有價證券投資政策 界關注的一個完整列表和詳細的所有排除。） 擴展（可選的額外溢價） 不誠實的僱員* 誹謗和詆毀* 損失的文件* 文件所需的應用A型有價證券投資政策 對於新的和更新的風險和所有的請求必須由報價方式提交下列文件 對責任單位在總公司： 填妥，簽署並註明日期的专业弥偿保险申請表（有不同的专业弥偿保险申請表形式不同專業的建議） （如有） 任何其他文件的要求，並表示在申請表的詳細信息（日期，性質，數量和狀態的損失）以往的申索/虧損 |