The policy provides indemnity coverage for professional entities offering services and charging fee for the services to be rendered. The professionals must belong to an organized registered professional umbrella body.

The insured might be liable to the public due to
1. Professional negligence while in the course of duty/service to their respective clients.
2. Loss of critical documents or data for clients
3. Breach of copyright or confidentiality hence lawsuits from the public
4. Defamation and libel
5. Loss of goods or money belonging to clients under custody.