Professional indemnity cover exclusions

(Previously known as Gaps in cover)

As noted elsewhere, professional indemnity (PI) insurance does not provide (and is not intended to provide) complete protection against professional risks. Even when a claim is covered by PI insurance, the architect still bears some costs, such as:

  • the policy excess (likely to be several thousand dollars or more)
  • any amount the successful claim is over and above the policy 'limit of indemnity'
  • liability under some kinds of contract clauses (such as warranties and indemnities) that is excluded from cover
  • any liability for types of claims excluded under other common, or unique, exclusions.