protective professional indemnity insurance

Protective professional indemnity insurance is first-party insurance that provides supplemental coverage for professional errors and omissions (E&O) claims against the insured's design professionals.

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The policy sits on top all of the insured's design professionals' practice policies as a form of excess coverage in the event the design professional's policy limit has been exhausted or is not sufficient to pay the insured's claim. The insured (e.g., project owner or contractor) must prove a legal claim for professional negligence against the design professional to collect under the policy.