Professional Indemnity Insurance
Even the most experienced professionals can face disputes. A small error, omission, or misunderstanding can lead to major legal claims that threaten your finances and reputation. Professional Indemnity Insurance (PII) shields you and your business against claims arising from negligence, misrepresentation, or breach of duty in the course of your professional work.
At Expat Insurance Hong Kong, we help consultants, designers, financial advisors, medical practitioners, engineers, and business service providers obtain the protection they need. Whether you operate as a freelancer or manage a large firm, we tailor policies that reflect your actual exposure — so you stay secure, compliant, and confident.
Why Work With Expat Insurance?
Clarity. Compliance. Confidence.
Buying professional indemnity directly can be risky. Many policies exclude key exposures unless negotiated properly. That’s where we step in — ensuring your coverage is robust and tailored to your line of work.
We start by understanding your business.
We assess your services, client contracts, and risk profile to identify exposures.
We compare multiple insurers.
We present side-by-side options with clear explanations and transparent pricing.
We negotiate better protection.
We use our broker network to extend limits, include key clauses, and reduce exclusions.
We stay with you.
We handle renewals, claims, and policy updates as your business evolves.
Why Choose Professional Indemnity Insurance?
In today’s business environment, clients expect accountability. A single claim — even if unfounded — can result in significant legal fees and long disputes. Professional Indemnity Insurance provides peace of mind, allowing you to focus on your work knowing that your livelihood is protected if something goes wrong.
What Does Professional Indemnity Insurance Include?
- Legal defense costs for professional errors or omissions
- Compensation payouts for proven claims of negligence or misrepresentation
- Breach of confidentiality or intellectual property cover
- Defamation and libel protection for statements made during business activities
- Coverage for employees, directors, and subcontractors
- Worldwide protection for services provided across borders
This insurance safeguards your company’s financial stability while preserving your professional integrity. Whether it’s a client alleging poor advice or a design error causing financial loss, we ensure your defense costs and settlements are covered.
Possible Pitfalls We Help You Avoid
Uninsured advice: Many businesses assume their contracts are fully covered — until a client claims negligence. We ensure all advisory work and project scope are properly included.
Breach of confidentiality: Sharing data or reports can unintentionally expose you. We make sure confidentiality and IP clauses are clearly protected.
Excessive exclusions: Generic policies often omit key areas for consultants or specialists. We review every clause to eliminate hidden gaps and secure complete protection.
Low claim limits: Some policies set inadequate payout ceilings. We secure higher limits and aggregate coverage to handle larger or multiple claims.
With Expat Insurance, you’re not just insuring your business — you’re safeguarding your professional reputation, credibility, and future earning potential. We make sure that when mistakes happen, your insurance performs exactly as expected.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are everyday occurrences in Hong Kong, where a single health-related event can quickly disrupt financial stability. The deciding factor is whether you’re properly insured.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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