PII covers a lot, but there are key areas it won’t touch. Here’s what’s typically left out:

1. Intentional Misconduct & Fraud

If you deliberately cut corners or break the law, PII won’t bail you out.

Example: A financial consultant fakes investment returns to impress a client—when it unravels, PII doesn’t cover the fallout.

2. Contractual Liabilities Beyond Standard Terms

Promised more than the norm in a contract? PII might not stretch that far.

Example: A consultant guarantees a 50% revenue boost but falls short—standard PII won’t cover that extra liability.

3. Public Liability & Employee Injuries

Physical harm or damage isn’t Professional Indemnity’s territory—you’ll need separate policies:

• Public Liability Insurance (PLI) for third-party injuries and property damage.
• Employers’ Liability Insurance covers the costs of employee claims for illness or injury caused by their work due.
  
  
• Example: A client trips over a rug in your office and gets hurt—PLI, not PII, handles it. Learn more on our Public Liability Insurance page.

4. Cybercrime & Data Breaches

Digital threats like hacks need their own coverage—PII doesn’t step in here.

Example: A hacker breaches your client database—Cyber Liability Insurance, not PII, is the fix. See our Cyber Liability Insurance section.

5. Claims Outside the Policy Period

PII often works on a “claims-made” basis—if the claim is raised after your policy (and any extended reporting period ends), you’re uncovered.

Example: A aethetician’s client makes a claim regarding previous treatments after the policy lapses—no coverage applies.

For what PII does cover, dive into our What Does Professional Indemnity Insurance Cover? breakdown.