NCBA GROUP

Who is a professional? 

Traditionally, the term ‘professionals’ was limited to lawyers, engineers, accountants or doctors. However, the emergence of new risks continues to cause an increased reliance on specialists for a range of services. Consequently, this term is now broadened to include any person who provides “specialist advice or services”

As Kenyans become more litigious, there has been an emphasis on accountability and responsibility upon professionals who could be held responsible for a client’s financial loss if such was deemed to be the result of professional negligence. 

What are the features of our policy

Our professional indemnity policy includes the below coverage features

  • Civil liability claims arising from the provision of professional services. These could be as a result of:
  • breach of a contract to perform professional services
  • unintentional defamation
  • loss of or damage to customer documents
  • infringement of intellectual property rights
  • infringement of active consumer protection legislation
  • Free extensions
  • Fraud/dishonesty of employees.
  • Court attendance costs
  • loss of or damage to customer documents
  • New subsidiaries
  • Extended claim reporting period
  • Bespoke wording for each profession.

In addition to the above, we widen our wording to mirror the unique exposure of each profession. For example, our cover for technology professionals will include failure of technology products as standard coverage

 

What do we pay? 

  • Defense Costs: The costs of defending against law suit.
  • Damages/ Financial Loss: The settlements an insured is legally liable to pay as a result of a claim.

Which professions do we cover? 
Service industry: Academic institutions, HR and employment consultants, management consultants, investigators and claims adjusters, travel agents, tour operators,

  • Finance industry: accountants, company secretaries, auditors, trustees, insurance brokers, debt collectors, etc.
  • Information technology industry: technology consultants, developers, distributors, data hosting and storage, BPO/Call centre, third party administrators,
  • Media industry: Marketing & PR firms, publishers, graphic designers, broadcast stations, film production, Advertising agencies, market research, etc.
  • Legal services: Lawyers, arbitrators, mediators, estate administrators, etc.
  • Real estate: property managers, estate agencies, etc.
  • Construction industry: architects, surveyors, interior designers, consulting engineers
  • Miscellaneous: photographers, research establishments, councilors, industry associations, beauty therapy, religious organizations, etc.

Our professional indemnity policy includes the below coverage features

  • Civil liability claims arising from the provision of professional services. These could be as a result of:
  • breach of a contract to perform professional services
  • unintentional defamation
  • loss of or damage to customer documents
  • infringement of intellectual property rights
  • infringement of active consumer protection legislation
  • Free extensions
  • Fraud/dishonesty of employees.
  • Court attendance costs
  • loss of or damage to customer documents
  • New subsidiaries
  • Extended claim reporting period
  • Bespoke wording for each profession.

In addition to the above, we widen our wording to mirror the unique exposure of each profession. For example, our cover for technology professionals will include failure of technology products as standard coverage

 

  • Defense Costs: The costs of defending against law suit.
  • Damages/ Financial Loss: The settlements an insured is legally liable to pay as a result of a claim.

Which professions do we cover? 
Service industry: Academic institutions, HR and employment consultants, management consultants, investigators and claims adjusters, travel agents, tour operators,

  • Finance industry: accountants, company secretaries, auditors, trustees, insurance brokers, debt collectors, etc.
  • Information technology industry: technology consultants, developers, distributors, data hosting and storage, BPO/Call centre, third party administrators,
  • Media industry: Marketing & PR firms, publishers, graphic designers, broadcast stations, film production, Advertising agencies, market research, etc.
  • Legal services: Lawyers, arbitrators, mediators, estate administrators, etc.
  • Real estate: property managers, estate agencies, etc.
  • Construction industry: architects, surveyors, interior designers, consulting engineers
  • Miscellaneous: photographers, research establishments, councilors, industry associations, beauty therapy, religious organizations, etc.
/wp-content/uploads/2025/05/Data-Liability
.png
Data Liability


Covers the financial consequences of losing or mis-appropriating customer or employee data

Learn More
/wp-content/uploads/2025/05/Crisis-Management-and-Breach-Coaching.png
Crisis Management and Breach Coaching

Provides access to a cyber-incident response team from industry specialists and covers the PR costs of reducing the damage it could cause to your reputation

Learn More
/wp-content/uploads/2025/05/Administrative-Obligations.png
Administrative Obligations

Covers the potentially significant costs and expenses of a data protection regulator’s investigation and fines following data security breaches

Learn More
/wp-content/uploads/2025/05/Electronic-Data
.png
Electronic Data


Covering the costs of restoring, recollecting or recreating data after a leak or breach

Learn More
Contact Us