Professional Indemnity and Directors & Officers

Professional indemnity insurance is in a rare sweet spot – premiums are easing while insurers continue posting strong profits. Yet beneath the surface, profession-specific developments are altering risk profiles. For example, recent court rulings for Directors and Officers, heightened scrutiny of financial advisers, and limited competition in solicitor PI all signal important change. On top of this, AI risks are emerging as a new frontier. With these forces at play, how can insurers balance competitive pricing, risk, and innovation in the years ahead?