Or rather it isn't. Because lawyers can - and do - have a field day arguing over what constitutes negligence, whether a particular professional has been negligent in a specific instance, and if so, what the financial consequences of that negligence may have been for the client in question.

So before you take out your professional indemnity cover, you may want a rather more user-friendly answer.

First, it's important to remember that in addition to a negligent act, there is such a thing as a negligent omission. In other words, it isn't necessarily just what you do that counts. It could also be what you don't do. So, an IT Consultant who fails to mention that the software he has recommended is no longer supported by its developers could be just as guilty of negligence as the IT Consultant who installs the wrong software in the first place.

Second, it doesn't have to be a deliberate act (or omission). Indemnity insurance is also there to protect you against mistakes you didn't even realize you'd made. The Graphic Designer who genuinely thought her logo design came entirely from her own imagination might well be very glad of her pi insurance when it comes to light that she has inadvertently infringed someone else's copyright. And the Management Consultant who thought (wrongly as it happens) that the information he was sharing was in the public domain will probably be equally glad of his professional indemnity when his client sues him for breach of confidence.

Third, negligence doesn't have to involve anything complicated or technical. The Photographer who accidentally pressed the Delete key and, in that instant, turned a very expensive photo shoot into a completely wasted exercise would undoubtedly be very sorry that she hadn't ever bothered with indemnity insurance.

Defining negligence can be tricky. But you'll most definitely know it if it hits you in the form of a claim for damages. So make sure you're properly covered by following the link for the professional indemnity insurance that's just right for you and your business.

samanthaharley - About the Author:
I am working as content writer from last 4 year.
Resource:-

http://www.professionalindemnityinsurance.co.uk/