You should notify Webber Insurance as soon as reasonably possible if you become aware of a claim or a circumstance that could potentially lead to a Professional Indemnity claim.

You do not need to wait until legal proceedings have commenced.

What can constitute a claim? #

Depending on the policy wording, examples can include:

• A written demand for compensation.
• A client alleging negligence.
• A formal complaint.
• A request that you rectify an alleged professional error.
• A solicitor’s letter.
• Court or tribunal proceedings.

What is a circumstance? #

A circumstance is a situation that could reasonably be expected to lead to a future claim.

Examples can include:

• A client alleging your work is defective.
• A dispute over professional advice.
• An identified design or documentation error.
• A client withholding payment because of alleged professional failings.
• A significant complaint that has not yet included a demand for compensation.

Why is early notification important? #

Professional Indemnity Insurance is commonly written on a claims-made basis.

The timing and manner of notification can therefore be important.

A circumstance notified during the correct policy period may also affect how a later claim arising from that circumstance is treated, subject to the policy wording.

Should I wait until I know whether I was actually negligent? #

No.

Notification does not require you to admit liability.

If a matter could reasonably lead to a claim, contact Webber Insurance so the notification position can be considered.

What happens once I decide to notify? #

See How do I notify a Professional Indemnity claim? for the practical information to send and what happens after notification.

Avoid admitting liability, agreeing to compensation or incurring significant defence costs without first consulting Webber Insurance or the insurer.