One professional negligence claim without cover can be financially — and reputationally — devastating. Professional Indemnity (PI) insurance is essential for consultants, lawyers, doctors, financial advisors, architects, engineers, IT professionals, and all professional and advisory services firms in Kenya. It covers: legal defence costs and court fees, compensation awarded to third parties for financial loss arising from errors, omissions, or negligent advice, breach of professional duty claims, and run-off cover for claims arising after a business closes or changes structure. PI is increasingly required by clients and regulators as a pre-condition of contract in Kenya — the absence of valid PI cover can disqualify firms from tenders and professional registrations.