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Professional Indemnity Insurance in Kenya - Mufasa Insurance
All ServicesFor Professionals
Prof. Indemnity

Professional Indemnity Insurance

Your expertise is your livelihood. Protect it from the cost of a mistake.

Professional Indemnity (PI) insurance protects consultants, lawyers, doctors, engineers, accountants, and all service professionals against claims of negligence, errors, omissions, or breach of duty in the course of their professional work. One allegation - even unfounded - can cost hundreds of thousands in legal fees. PI insurance ensures it doesn't cost you your career.

Talk to a Private AdvisorHow It Works

Coverage Details

What's Covered

Negligence Claims

Legal defence costs and damages if a client alleges your advice or service caused them financial loss.

Errors & Omissions

Unintentional mistakes in reports, calculations, designs, or deliverables that result in client loss.

Breach of Duty

Claims that you failed to perform your professional duties to the expected standard of care.

Defamation & Libel

Claims arising from written or verbal statements made in the course of providing professional services.

Intellectual Property Infringement

Unintentional use of third-party intellectual property in client deliverables.

Loss of Documents

Costs of reconstituting or replacing client documents lost or damaged while in your care.

Legal Defence Costs

Full cover of lawyer fees, court costs, and expert witness fees - even if the claim against you is unfounded.

Dishonesty of Employees

Fraudulent or dishonest acts committed by employees in the course of professional services.

Simple Process

How It Works

1

Tell Us About Your Practice

We need to know your profession, annual fee income, number of staff, and the types of clients you serve.

2

We Source the Best Quote

We compare PI rates across Kenya's top insurers to get you the best premium for your indemnity limit.

3

Policy Issued

Your PI certificate is issued within 24 hours. Many professional bodies and government tenders require proof of PI cover - we make sure yours is in order.

Common Questions

Frequently Asked

Who needs Professional Indemnity insurance in Kenya?
Any professional who provides advice, expertise, or a service for a fee. This includes lawyers, advocates, accountants, auditors, doctors, engineers, architects, IT consultants, financial advisors, real estate valuers, management consultants, HR consultants, and insurance brokers. Many professional bodies (LSK, ICPAK, EBK, etc.) now require PI as a condition of membership.
What does 'indemnity limit' mean?
The indemnity limit is the maximum amount the insurer will pay for any one claim (or sometimes in aggregate across the policy year). Common limits range from KES 5 million to KES 100 million depending on your profession and the size of your contracts. We'll help you choose the right limit.
Does PI cover claims made after the policy expires?
PI policies are 'claims-made' policies, meaning they cover claims made during the active policy period - even if the work was done in prior years. It's important to maintain continuous cover and to buy 'run-off' cover when you close a practice.
What's not covered by PI?
Deliberate fraud or intentional wrongdoing by you personally, bodily injury or property damage (covered by public/employer liability), and contractual penalties you agreed to beyond your standard duty of care are typically excluded.
Is PI required for government tenders in Kenya?
Yes. Many government and institutional tenders (especially for consultants, engineers, and IT firms) require proof of Professional Indemnity cover as part of the pre-qualification documents. We can issue your certificate same-day.
How much does Professional Indemnity insurance cost?
Premiums depend on your profession, annual turnover/fee income, indemnity limit, and claims history. A freelance consultant may pay from KES 15,000 per year; a mid-sized law firm or engineering firm would pay significantly more. Contact us for a tailored quote.

Across Kenya

Prof. Indemnity cover in your county

We arrange professional indemnity insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

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Get your Prof. Indemnity insurance quote today, same day cover, zero hassle.

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