Do consultants need professional indemnity insurance?
There is no general legal requirement for consultants, but many government bodies and contractors make PI a minimum condition of the tender, and other client contracts may too. Check the limit, currency and certificate wording the tender specifies and get cover in place before the closing date.
Where the requirement comes from
Many government bodies and contractors make PI a minimum requirement to bid for consultancy tenders, and some employers ask for it too.
Source: Insurer statements (Old Mutual, CIC), Oct 2026
Getting tender-ready
- Find the PI clause: limit, currency, who must be named, and the period.
- Send it to us with the deadline.
- We quote with insurers that can match it, and check whether a USD-linked limit is possible if the contract requires one.
- You receive the certificate in the wording the tender asks for.
Points to check
- Sub-consultants: are they covered under your policy or do they need their own?
- Joint ventures and consortia: who holds the cover?
- Work outside Kenya must be declared
- Hold-harmless clauses can go beyond your PI cover
Frequently asked questions
A tender asks for professional indemnity insurance. What do I need?
Check the required limit, currency and certificate wording in the tender document, then get a policy that matches it before the deadline. Most tenders ask for a certificate of insurance naming you or your firm with the limit stated. Send us the requirement and the deadline.
Can I get PI in US dollars for a donor contract?
No Kenyan insurer publishes USD-denominated PI on its website, but limits can be set to match a USD requirement. Send us the contract clause and we will approach insurers that can meet it.
How much cover (limit) do I need?
At least any legal minimum for your profession, then enough to meet the largest claim you could realistically face: think of your biggest contract or fee, what a client could lose through your error, and any limit a client or tender requires. Remember that defence costs usually come out of the same limit.
How quickly can I get a certificate for my licence renewal or tender?
For individual doctors, clinical officers and nurses, some insurers issue the policy online straight after payment. Advocates' cover can also be bought online from some insurers. Firm policies take longer because they are underwritten on fees and staff. Tell us your deadline and we will work to it.
What does 'claims-made' mean?
Kenyan PI policies respond to claims made against you while the policy is in force, not when the mistake happened. So if you stop renewing, a claim that arrives later about past work is not covered, unless you have run-off cover. Keep your cover continuous.
Deadline coming up?
Send us the PI clause and closing date. We work backwards from your deadline.
Licensed by IRA · No obligation · We reply within 1 hour
Sources
- Insurer statements (Old Mutual, CIC), Oct 2026
- GA, Liberty and First Assurance proposal forms, Oct 2026
- Insurer websites, Oct 2026
- Insurer wordings (APA, GA, First Assurance, Liberty, Madison), Oct 2026
Facts and published prices checked 5 Oct 2026; last reviewed October 2026 by Naveah Capital. Prices are indicative published rates, not a quote or a promise. Naveah Capital Insurance Agency is an IRA-licensed insurance agency in Nairobi; this page is general information, and your policy wording decides your cover.
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