Specialists in PI underwriting

Professional indemnity insurance covers defence costs and damages for business facing allegations of negligence or wrongful acts. It’s mandatory for some professions and considered essential for others.

30,000+

professionals insured by DUAL each year

100s

of professional classes covered

26

years of heritage in financial lines and professional indemnity

Key benefits

Clear policy wordings in line with the latest legislation

Clarity is key – particularly around changing or new legislation in a complex regulatory environment. We work hard to ensure our policies remain relevant, and your clients stay protected. 

Customisable cover

Our products can be tailored to suit your client's needs.  

With our diverse range of expertise, we have the flexibility to cover a wide range of risks, including many bespoke risks. If you have a  complex one, we have the expertise and experience to assist in finding a solution. 

Governing body accredited

DUAL policies meet the defined standards of many professional bodies.   

AA capacity

All DUAL binders are backed by trusted capacity providers with solid underlying financials. See more about our insurer partners

Primary and excess layer coverage

Equally comfortable leading or following, DUAL can augment your existing strategy or develop bespoke solutions around client needs. 

Quality claims handling

In a crisis, insureds need experienced lawyers and adjusters with a proven track record for claims handling. Fast, efficient, and fair, claims are handled in-house, with local expertise across our 30+ associate offices. 

PI

Coverage options

 Our broad civil liability wording provides the following protection:

  • Legal defence fees, costs, and expenses 
  • Payment of compensation
  • Official investigation costs, including attendance at investigations 
  • Mitigation costs

This can include:

  • Exclusive of costs limit 
  • Automatic reinstatement 
  • Advancement of defence costs 
  • Consultants, subcontractors, and agents 
  • Court attendance compensation 
  •  Third party employee dishonesty 
  • Emergency costs inc. PR and reputational expenses 
  • Breach of privacy and confidentiality 
  • Intellectual property infringement 
  • Irrecoverable Fees 
  • Statutory liability 

Beyond the typical PI policy, optional extensions include:

  • Contractual liability
  • Loss mitigation and rectification

Policy limits available

Up to €10m and more

sum insured

€3000

Minimum premium

Retail or wholesale

available to retail and wholesale brokerages

Risk appetite

We have a broad appetite across a wide range of occupations. We’ll consider the risks of sole practitioners, SMEs and larger practices, and non-traditional professions. 

  • Current insureds include

    • Accountants
    • Solicitors
    • Architects, Engineers
    • Consultants
    • Insurance brokers
    • Estate agents
    • Business Process Outsources
    • IT
    • Telecommunication
    • Media, PR
    • Publishers
    • Editors
  • Selective risks

    • Auditors 
    • Call centres  
    • Corporate advisory services 
    • Contractors 
    • Insolvency practitioners 
  • Outside our appetite

    • Healthcare professionals 
    • Financial planners 
    • Heavily weighted US exposures 
    • Property developers 
    • Mining 
    • Valuers 

Why choose DUAL?

Built for speed

When time is tight, speak to us. Our flat hierarchies and streamlined processes allow for fast decisions.

Focused on your needs

We won’t sell to you, we’ll solve with you.

Quality claims handling

Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.

All about service

As an independent business, always thinking long term, everyone is committed to great service. Give us a try and see for yourself.

Underwriting requirements

We’ll need information on the organisation, its board and management, and its legal and claims history. Our submission requirements are:  

  • Professional liability application
  • Prior cover details
  • Five-year loss runs summary
  • Sample contract
  • Financials

We're here to help

For general and product specific enquiries, please complete the form below

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