Dear Editor,
Regarding the article on professional indemnity (PE) insurance (Scant cover) in your November issue, whether coverage is woefully inadequate is relative and a matter of opinion and must be viewed in light of the intent of insurance protection. The policy is meant to cover professional negligence and not intentional or gross negligence or intentional wrongdoing.
In a situation where law firms engage advocates as independent contractors, even under a retainership agreement, cover under the policy can be extended to cover liability arising out of the professional negligence of such advocates. The policy will also provide cover for claims arising out of work in fast-track courts and special tribunals as long as the claims arise out of professional negligence.
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