Professional indemnity
A mistake can cost a lot. Not you.
Your liability to your clients, legal defence and, if you want it, cyber risk: cover sized to your profession.
- Quote online, sign at a branch
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | EssentialYour liability and your defence, at the limit you choose. | RecommendedComfortYour clients’ files protected too. | PremiumCyber cover, and five years of cover after you stop. |
|---|---|---|---|
| Professional liability | Included | Included | Included |
| Legal defence costs | Included | Included | Included |
| Lost client documents | Optional | Included | Included |
| Cyber risk | Optional | Optional | Included |
| 5-year run-off cover | Not covered | Optional | Included |
| Yearly price incl. taxes | 38 753DZD | 41 847DZD | 56 909DZD |
| Choose Essential | Choose Comfort | Choose Premium |
Reference profile · Consultant, yearly turnover DZD 9 000 000, 2 staff, limit of indemnity DZD 10 000 000.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
Try it
As your team grows, so does your cover.
The premium reflects how many people work on your clients’ projects: drag the slider.
Who it is for
- Architects and design offices
- Consultants and trainers
- Self-employed health professionals
- Accountants and IT providers
The cover
What each cover pays for, in plain words.
Professional liability
Losses your clients suffer through a mistake, an error or an omission in your work.
- Excess
- 10% of the loss, at least DZD 50 000
Legal defence costs
Lawyer’s and court costs when your liability is called into question.
- Limit
- DZD 1 000 000
Lost client documents
Rebuilding client files and documents that were lost or destroyed.
- Limit
- DZD 2 000 000
Cyber risk
Client data leaks, ransomware and the cost of telling the people affected.
- Limit
- DZD 5 000 000
5-year run-off cover
Claims about your past work stay covered for 5 years after the contract ends.
What the law says
Compulsory for some professions
Several regulated professions — architects, doctors and other health professionals, chartered accountants among them — must hold professional indemnity cover under their own rules. Check with your professional body.
For other activities the law does not require it, but clients often ask for it in tenders and service contracts.
The cover pays for harm caused to a client by a fault, error or omission in your work; it never covers a deliberate act.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
Which limit should I choose?
The value of your largest contracts is a good guide: harm to a client rarely exceeds the value of the project. Your clients may also require a minimum.
Am I covered for a mistake made before I signed up?
For a claim received during the contract, yes, unless you already knew of the dispute. Run-off cover extends protection after you stop trading.
What does cyber cover pay for?
Restoring your data, and your liability if a client’s data is exposed after a cyber attack.
Are my staff covered?
Yes, for mistakes made in the course of their work. The price reflects the headcount.
Is legal defence included?
Yes, in every plan: lawyer’s and court fees to defend your liability, up to the stated limit.
Your quote
A quote for your profession.
Your profession, your turnover and the limit you need: the price is worked out online.
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