IFFCO TOKIO'S PROFESSIONAL INDEMNITY INSURANCE POLICY IS AVAILABLE TO PROTECT YOU AND/OR YOUR ORGANIZATION AGAINST LOSS ON ACCOUNT OF THE FOLLOWING: Errors and Omissions on part of the professionals while rendering their professional services resulting in:- a. Death, bodily injury, illness or disease of or to third parties, b. Physical damage to tangible property of third parties c. Financial loss suffered by third parties The scope of this Policy includes professionals and professional organizations such as: 1. Doctors and Medical Practitioners 2. Medical Establishments, 3. Engineers, Architects, Interior Decorators, 4. Chartered Accountants, Financial Consultants, Management Consultants, 5. Lawyers, Advocates, Solicitors and Counsels GENERAL EXCLUSIONS FOR ALL PROFESSIONAL INDEMNITY INSURANCE POLICIES We shall not be liable to pay for: Losses assumed by an Agreement and which would not have attached in the absence of such Agreement. Deliberate, willful or intentional non-compliance of any statutory provision. Pure financial nature losses such as loss of goodwill, loss of market etc. All personal injuries such as libel, slander, false arrest, wrongful eviction, wrongful detention, defamation, etc. and mental injury, anguish or shock. Fines, penalties and punitive damages. Losses arising out of war and nuclear perils Employer's liability CLAIM All claims lodged by third parties should be immediately intimated to us so that the necessary steps can be initiated for the defence of the claim. No admission of liability is given without our written consent. Multiple claims arising from the same cause shall be treated as one claim. We may take over defence of any claim at our discretion. The Policy is issued on a 'claims made' basis i.e. it pays in respect of claims made during the Policy period following occurrences happening after the retroactive date i.e. date of first commencement of cover. This is subject to the condition that cover is continuously being renewed without any break in period of insurance

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