(a) Experts that require professional indemnity insurance in their operations:
(i) Doctors.
(ii) Lawyers.
(iii) Accountants.
(iv) Estate agents.
(v) Business consultants.
(vi) Financial advisors.
(b) (i) Personal liability: This is about financial protection for the family, provide coverage for bodily injury anc protect damage sustained by others for which covered residence of household are legally responsible.
(ii) Public liability: This covers business against claims and legal cost of a 3rd party such as customer of member of the public if injured or property damage while on your premises.
(iii) Professional indemnity: This is the type of liability insurance for professional effectiveness, to help protect them (professionals) particularly those who offered advice or services from bearing the full cost of defending claims.