Professional Liability Insurance

The policy that stands by you when you face compensation claims over a mistake or oversight made while doing your job.

Who is it for?

Doctors, dentists and healthcare professionals recognised as specialists under Turkish medical specialisation rules
Lawyers and law firms
Certified public accountants and sworn financial advisers
Insurance agents and those carrying out intermediary activities
Engineers, architects, vets and other technical and independent professionals

What is Professional Liability Insurance and what does it do?

Even the most meticulous professional can make a mistake. A misread regulation, a missed deadline, an incomplete report… Professional errors usually come from a heavy workload, not bad intent. But the consequences can be serious: your client or patient may sue you for the loss they've suffered.

That's where professional liability insurance comes in. We cover the compensation you have to pay for harm caused to third parties while carrying out the professional activity defined in your policy, up to the policy limits. Where agreed, court costs and lawyers' fees are covered too.

There's a specific clause for each profession, from doctors and lawyers to accountants and insurance agents. We talk through what your work really involves and choose the right clause and the right limit together.

When you take it out with Atom Sigorta

A separate clause for each profession: doctors, lawyers, accountants and insurance agents
Occurrence-based and claims-made cover, or both combined
An extended reporting period for claims that arrive after the policy ends
Court costs and lawyers' fees can be included
A supplementary solution that steps in when the compulsory policy's limit isn't enough
Your personal assets are protected, not just your reputation

What's covered

What does the policy cover?

Depending on the package you choose, some or all of the cover below can be added to your policy.

Professional Error and Omission Cover

Covers losses arising from not performing your duties properly, breaching your duty of care or other negligent conduct while carrying out the professional activity defined in the policy. This is the core of the cover.

Court Costs and Lawyers' Fees

Where agreed, the costs of the legal process defending a compensation claim are covered up to the limits written in the policy. A lawsuit is a serious expense in itself.

Occurrence-Based Cover

Covers losses resulting from an incident that happens during the policy period; cover applies even if the claim is made during the policy period or after it ends.

Retroactive (Claims-Made) Cover

Covers claims made against you only during the policy period, for an incident that happened before or during the policy. The retroactive period can't be less than one year.

Extended Reporting Period

Under occurrence-based cover, protection continues for losses that come to light within two years of the policy ending. For sworn financial advisers, this period is five years.

Representative and Employee Liability

If the policy is taken out for your business's liability, and the contract doesn't say otherwise, the liability of your representatives and the people employed in the business is also covered.

Non-Pecuniary Damages Cover

Can be added by endorsement. Under the doctors' clause, claims for non-pecuniary damages (compensation for pain and suffering) are covered within the policy limit, capped at no more than fifty per cent of that limit.

Joint and Several Liability Payments

Under the accountants' clause, social security premiums, taxes, tax penalties, late payment surcharges and default interest you have to pay because of joint and several liability are covered up to the limits written in the policy.

Compulsory Medical Malpractice Liability

The basic protection that the law requires for doctors and dentists. It covers claims for harm arising from medical practice up to the policy limits.

Supplementary Doctors' Liability Cover

Kicks in directly once the per-claim limit of the compulsory policy is used up. It covers the pecuniary and non-pecuniary damages, court costs and interest that exceed that limit.

Personal Accident Cover

Supplementary doctors' packages can also include death, permanent disability, daily allowance, medical expenses and earthquake cover. The daily allowance applies after a set number of excess days.

Cover for Work Abroad

As a rule, the policy applies to professional activities within the borders of the Republic of Türkiye. Cover for work you carry out abroad can be agreed separately.

Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.

Frequently asked questions

Your questions about Professional Liability Insurance

If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.

It depends on your profession. For doctors and dentists, compulsory medical malpractice liability insurance is required by law. In fields such as law and accountancy the policy is optional, although the relevant legislation or your professional body may require it separately.

It's possible with claims-made cover. For an incident that happened before the policy started, cover applies if the claim is made against you during the policy period. This retroactive period can't be less than one year, and the parties can agree a longer one.

Under occurrence-based cover, protection continues for two years after the policy ends for losses arising from work you did during the policy period. For sworn financial advisers, this period is five years.

Under the general conditions, claims for non-pecuniary damages (compensation for pain and suffering) are excluded unless agreed otherwise. They can be covered by a separate agreement. Under the doctors' clause, they're covered within the policy limit, capped at no more than fifty per cent of that limit.

Work outside the professional activity defined in the policy, incidents and conduct you cause deliberately, and incidents that happen while under the influence of alcohol, drugs or narcotics are excluded. Administrative and criminal fines are also excluded unless agreed otherwise.

The compulsory policy has a per-claim limit. If compensation exceeds that limit, you have to pay the difference yourself. That's where the supplementary policy steps in, covering compensation, court costs and interest above the limit.

No. Losses arising from failing to keep, or misusing, client-related secrets under the lawyers' clause, or trade and industrial secrets under the accountants' clause, are excluded.

As a rule, it covers professional activities you carry out within the borders of the Republic of Türkiye. Cover for work you do abroad can be agreed separately.

Get a quote

Get a quote for Professional Liability Insurance

Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.

Quicker by phone

0850 303 28 66 hakan@atomsigorta.com