A Professional Indemnity claim generally starts when you receive a written demand, complaint or notice alleging an issue with your advice, service or professional conduct. This could include:

• A request for compensation
• A formal letter of complaint
• Notification of legal action or proceedings

Professional Indemnity policies are issued on a claims-made basis. This means the timing of the work does not determine the cover. Instead, the key factors are:

• When the claim is made
• When your policy is active

Because of this, it is important to notify us as soon as you become aware of a potential issue, even if no formal claim has been made. Early notification allows your policy to respond and helps preserve your legal position if the matter escalates.

Contact us if you think a situation might give rise to a claim or need guidance on next steps.