Professional Indemnity Insurance in Malta

Professional Indemnity Insurance

Professional indemnity insurance (also known as PII or professional liability insurance) is designed to protect you as a business owner, freelancer or self-employed if clients claim a financial loss due to inadequate service or advice. You could be sued if the recipient is unhappy with your work. A client might claim a loss because of negligence, incorrect advice, faulty services, copyright violations or project delays. Since the professional risks differ considerably depending on the industry, exali offers tailor-made solutions for activities related to digitalisation, such as IT, telecommunications, engineering, creative and media professions as well as business consulting.

  • Comprehensive coverage for damage claims
  • All-risk coverage for financial and physical damage
  • Even cyber risks are covered

IT and Engineering
(e.g. programmer, software developer, system administrator)
IT and Engineering
Media and Creative
(e.g. media agencies, graphic designers)
Media and Creative
(e.g. business consultants, data protection officers)
Other Service Professions
(e.g. experts, accountants, virtual assistants and personal trainers)
Other Service Professions

What is Professional Indemnity Insurance?

Professional indemnity insurance (also known as PII) or professional liability insurance will protect you if you make a mistake while working for a principal that causes them financial loss. Examples of this are incorrect advice, faulty services or copyrighted designs.

These mistakes can cost the customer time and money, and they can choose to take legal action against you to recover these costs. Professional indemnity insurance covers the cost of your defence as well as any compensation your client may be entitled to, due to your mistake.

Even if you haven't done anything wrong and a customer makes an unfounded or unjustified claim against you, defending against this can cost significant amounts of money. Professional indemnity insurance can protect you in these scenarios.

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  • Individual and comprehensive insurance protection
  • High coverage sums for financial losses
  • No-claims evidence going back five years

Which Insurances does Professional Indemnity Insurance from in Malta Include?

Professional indemnity for Maltese freelancers and service providers combines in the basic coverage both insurance components of the financial loss liability and general liability insurance. You can choose different sums insured for both components in order to optimally cover the occupational risks in Malta.

To protect against the ever-increasing threat from cyber risks, we offer you the optional add-on module for First-party Cyber and Data Risks Insurance. This service extension takes over any first-party damage in the event of hacking, a DDoS attack, computer misuse, theft of data carriers and other data breaches.

You can use the online plan and premium calculator to see at any time which modules you need and which sum insured you can choose.

General liability benefits

Some add-on modules expand the scope of insurance to include so-called first-party claims or a first-party claims insurance. This is damage that is not inflicted on a third party (customer or principal), but damage that you suffer yourself. For example, in the case of data protection or cyber damage.

Since every professional sector has individual requirements, insurances must also be tailored to these needs. The experts will be happy to advise you on the possible insurance modules in Malta and will be happy to work with you to determine the best professional indemnity insurance for your business. Take advantage of our customer service employees with over 15 years of experience.

What Does Maltese Professional Indemnity Insurance Cover?

Our Maltese professional indemnity insurance covers your legal and court attendance expenses for defending a claim as well as any compensation or costs that may be awarded as a result:

  • Professional negligence - e.g. a mistake in performing a job for a customer or poor consultation including service delays
  • Unintentional violation of trademark and copyright laws - e.g. using an image on your website without permission
  • Violations of the EU General Data Protection Regulation
  • Breach of confidentiality - e.g. passing on sensitive customer information without permission
  • Loss of your customer’s documents or data
  • First-party cyber damage, provided you have selected the ‘First Party Cyber Insurance (FPC)’ Add-on
  • and much more...

What is the Difference Between Professional Indemnity Insurance and General Liability Insurance in Malta?

General liability insurance essentially insures personal injuries and property damage as well as consequential losses due to a business or professional activity. It concerns the safeguarding of an entire company. This includes damages that can occur as a result of operational activities. The following, among others, are insured:

Difference between professional indemnity and general liability insurance
  • Personal injuries and property damage due to faulty service provision
  • Damages on business trips, at trade fairs, exhibitions and events (worldwide)
  • Damage to rented office space or event rooms (rental property damage)
  • Damage in the organisation and execution of seminars or training courses
  • Damage caused by the professional operation of aerial drones up to 5 kilograms (including camera)
  • Product liability damage (guaranteed properties)
  • Loss of customer keys and code cards

In contrast, professional indemnity in Malta is to be understood as an overarching term. It can include financial loss liability to cover pure financial losses and general liability to cover personal injuries and property damage. Additional add-ons such as the First-party Claims Insurance can supplement the scope of professional indemnity insurance.

If you take out Professional Indemnity Insurance for Digital Professions in Malta via, all relevant insurance modules for the respective industry are included in one package!

Quick Facts about Professional Indemnity Insurance

Who needs Professional Indemnity Insurance?

In general, freelancers are not always required by law to take out Professional Indemnity Insurance, but it makes sense for self-employed to properly protect their business against all common business risks.

How Much Does Professional Indemnity Insurance Cost?

The Professional Indemnity Insurance from exali costs you at least € 170,60. Your individual insurance premium is mainly based on your net turnover and the sum you wish to insure.

What Is Professional Indemnity Insurance?

Professional Indemnity Insurance will protect you and your business if you make a mistake that causes financial loss for a third party. Examples of this are incorrect advice, faulty services or copyright infringements.

What Main Risks Are Covered by PII?

The PII covers all types of loss: Financial losses (account for almost 80% of loss scenarios) are insured by the Financial Loss Insurance (FLI) module. Personal injury and property damage are covered by the integrated General Liability Insurance (GLI).

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What are the Costs of Professional Indemnity Insurance in Malta?

Every professional indemnity insurance can be individually calculated at using the real-time calculator on the website with just a few clicks. The following factors are essentially decisive for the costs of Maltese professional indemnity:

  • Insured area of activity
  • Annual net sales over the last 12 months
  • Are you a business founder or a startup company
  • Selected sum insured for the financial loss liability
  • Selection of and amount of the sum insured or general liability
  • Selection of the add-on module
  • Contract term 1 year or 3 years

Sample Calculation of the Total Premium Amount

For an IT expert as a business founder from Senglea, the annual net insurance premium in the smallest version starts at around 283 euros per year. (Specifications: Sum insured for financial losses = 250.000 euros, sum insured for personal injuries and property damage = lump sum of 2 million euros, deductible = 250 euros per insured event, contract term = 3 years).

Note: The legal company name and form (freelancer, self-employed, company, LP or SE) does not affect the insurance premium.

What Advantages does Maltese Professional Indemnity Insurance Have in a Damage Event?

Professional indemnity in Malta very comprehensively covers financial losses as well as personal injuries and property damage that you inflict on third parties (e.g. customers or principals) in your business. The insurer also takes on a reviewing function to determine whether the alleged claims are justified. If this is not the case, the insurer will also cover the costs for defending against unjustified or exaggerated claims (e.g. lawyer, expert and court attendance expenses).

In these cases, professional indemnity insurance works like legal expenses insurance. This is why it is also called ‘passive legal protection’ in the context of professional indemnity.

There are many possible causes for claims and damage events. Human mistakes, unforeseen circumstances and the unfortunate chaining of several events are often the starting point for an expensive damage event.

In this context, damage events do not only arise during active work as damages are also often caused through consulting, for example when critical information is not taken into account. These errors are of course insured, just like, for example:

  • general consulting mistakes
  • missing a deadline
  • programming error
  • infringements of rights
  • evaluation errors
  • instruction errors
  • analysis errors
  • calculation errors
  • measurement error
  • mix-ups
  • loss

Take out Professional Indemnity Insurance quickly and easily:

Frequently Asked Questions about Professional Indemnity Insurance in Malta Professional Indemnity Insurance in Malta

Professional Indemnity Insurance for Digital Professions from is optimally tailored to the daily changing requirements of Maltese self-employed and freelancers. exali customers benefit from our more than 15 years of experience in insuring and handling claims  of IT companies, consultants and freelance professions such as graphic designers or journalists. Thanks to the online calculator, you can take out professional indemnity insurance in under 5 minutes and it is completely paperless.

You can get all the information you need directly from the real-time calculator. Frequent questions are answered transparently before the conclusion. After signing the contract you will find all contract information in your ‘My exali’ customer area. There you can adjust current contracts at any time if new professional fields or business areas are added or the insured sum has to be increased for a large project.

Your advantages at a glance:

  • Quick and easy online conclusion
  • Insurance protection that is perfectly tailored to your risks
  • Immediate insurance confirmation
  • Exciting specialist articles about protecting your business
  • Competent advice from our customer advisors

After taking out the insurance, you will receive the Liability Seal that you can embed into your website. This way you can show potential principals that a professional contact person will take care of handling any potential damage event. Clicking on the seal redirects you to your personal insurance confirmation site on, where potential principals can find out about the sums insured you have chosen.

Any questions? The customer advisors will be happy to assist you personally - without waiting times or call centres.