The 60-second version
Professional indemnity covers negligence claims — mandatory for CAs, doctors, architects under respective councils. I match retroactive date to overseas practice and declare India turnover.
Retroactive date must cover overseas advice if India client claims
Returning CAs, doctors, and architects need PI before first India invoice — council registration often blocks without policy copy.
Retroactive date should include last overseas assignment if advice could be challenged in India courts.
Sum insured scales with turnover and claim history — under-insurance caps defence costs.
Public injury: public liability guide.
PI by profession
| Profession | Typical min SI | Regulator |
|---|---|---|
| Chartered accountant | ₹10L–₹1Cr | ICAI |
| Doctor / surgeon | ₹20L–₹5Cr | NMC / state council |
| Architect | ₹10L–₹50L | COA |
| IT consultant | ₹25L–₹2Cr | Contract-driven |
| Lawyer | ₹10L–₹1Cr | Bar council |
PI policy sequence
Council check
Minimum SI per ICAI / NMC / COA circular.
Declare turnover
India + any cross-border billings.
Retro date
Back to first relevant advice date.
Pay premium
Annual — pro-rata if mid-year return.
Upload to council
Policy PDF for membership renewal.
Coverage flow
PI policy kit
- Proposal form.
- Turnover statement.
- Council registration.
- Policy schedule.
- Claim intimation hotline.
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Side practice
Freelance consulting while employed needs separate PI — employer policy may not cover moonlighting.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
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US malpractice tail?
Separate US tail policy — India PI does not replace.
Telemedicine?
PI must list teleconsult — some insurers add rider.
Partnership firm?
Firm policy + individual cover for each partner.
Claim affects renewal?
Premium load — disclose honestly on proposal.
Deductible?
Typically ₹25k–₹1L per claim — verify schedule.
Run-off cover?
Needed after retirement — buy extended reporting endorsement.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.