Protect your company and executives

Professional liability insurance is a key component of risk management in today’s business environment of increasing personal accountability. It is essential to protect your company and your executives with cover against legal liability, the threat of litigation and potential resultant damage.

QBE Vietnam’s Professional Liability Insurance will enable you to operate confidently, secure in the knowledge that your potential professional liability exposures are covered. We help minimise the risk for businesses and professionals across a broad range of industries.

Professional Indemnity Insurance

This cover protects professionals against a wide range of potential actions arising from breaches of professional duty.

Scope of Cover

  • Out-of-court settlements
  • Compensatory damages awarded by the court against the professionals
  • Defence costs and expenses
  • Breach of confidentiality
  • Contractual liability (Tort liability)
  • Defamation
  • Infringement of intellectual property rights
  • Joint-venture liability
  • Loss of documents
  • Trade practices and related legislation
  • Vicarious liability

Automatic Extensions

  • Compensation for court attendance
  • Continuous cover
  • Contractors and consultants
  • Extended reporting period
  • Intentional acts
  • Newly created subsidiaries
  • Official investigation and enquiry costs and expenses
  • Public relations expenses
  • Replacement documents costs
  • Takeovers

Additional Features

  • Automatic reinstatement
  • Previous business

Medical Malpractice Insurance

This cover protects healthcare professionals and the medical establishments in which they operate. It includes:

  • Out-of-court settlements
  • Compensatory damages awarded by the court against the healthcare professionals or medical establishment
  • Defence costs and expenses


  • Coronial/Ministry of Health/Department of Health enquiries
  • Broader definition of the insured to include doctors
  • Emergency first aid
  • Estate and legal representative
  • Defamation
  • Loss of documents
  • Newly created or acquired entity or subsidiary
  • Run-off cover insured entity or subsidiary
  • Students
  • Public relations expenses

Association Liability Insurance

This cover protects not-for-profit or charitable associations against legal liability in relation to the wide variety of risks associated with carrying out activities and providing services.

Scope of Cover

  • Out-of-court settlements
  • Compensatory damages awarded by the court against directors, officers, secretaries, committee members (whether salaried or not) of an association
  • Defence costs and expenses
  • Costs of appointing legal expertise
  • Civil proceedings
  • Successful defence of criminal proceedings
  • Unlawful default
  • Breach of trust
  • Breach of fiduciary duty or breach of warranty or authority
  • Advance payment of defence costs and expenses
  • Employee actions
  • Severability and non-imputation

Automatic Eextensions

  • Amalgamation/merger estate and legal representatives/spousal liability
  • Intellectual property
  • Intentional acts
  • Loss of documents
  • Official investigation and inquiries
  • Preservation of indemnity public relations expenses
  • Retired officers
  • Trade practice and related legislation

Optional Extensions

  • Automatic reinstatement
  • Extended reporting period outside directorships

Technology Liability - Information & Communication

This cover protects against legal liability arising from the failure of products, services and/or advice.

Scope of Cover

  • Errors and omissions
  • Personal injury and property damage
  • Compensatory damages awarded by the court against the professionals
  • Defence costs and expenses

Automatic Extensions

  • Consultants, sub-contractors and agents
  • Defence costs for breach of contract
  • Fraud and dishonesty
  • Intellectual property
  • Joint venture liability
  • Defamation
  • Loss of data
  • Outgoing principals
  • Unauthorised access

Optional Extensions

  • Increased aggregate limit of indemnity
  • Licensee intellectual property rights

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Directors' & Officers' Management Liability Insurance

This cover protects senior executives against the risk of liability arising from their duties, including:

  • Out-of-court settlements
  • Compensatory damages awarded by the court against directors and officers
  • Defence costs and expenses
  • Advance payment of defence costs and expenses
  • Legal proceedings brought against any past, present and future directors and/or officers for wrongful acts committed by them in the course of their duties (coverage is also provided for employees in a managerial or supervisory capacity)
  • Costs for legally compellable attendance, investigation or enquiry into the affairs of the company
  • Employee actions brought by fellow officers, directors and employees alleging employment practice errors such as unfair dismissal, unlawful discrimination or sexual harassment
  • Cover for legal proceedings brought against directors and/or officers while sitting on external positions
  • Cover can be provided for the company for security claims, employment-related matters and the cost of engaging a public relations consultant in prescribed events

Cyber and Data Security (CDS) Insurance
Our CDS solution provides protection against third party liability arising from unauthorised access to your systems. In addition, we also provide first party protection as outlined below. The cover provided is supported by global reputable Cyber emergency service providers which QBE has partnered with to ensure a smooth and professional handling of the Cyber incidents and claims.

Scope of Cover – Third Party
  • Cyber, data security and multimedia cover
Scope of Cover – First Party
  • Data breach notification costs cover
  • Information and communication asset rectification costs cover
  • Regulatory defence and penalty costs cover
  • Public relations costs cover
  • Forensics costs cover
  • Credit monitoring costs cover
  • Cyber business interruption cover
  • Cyber extortion cover
  • Financial transfer indemnification
  • Hacker financial crime cover
  • Loss of or damage to documents
  • Withdrawal of content

The QBE solution

We have partnered with a number of well-known Cyber and Data Security experts who in the event of a cyber incident will provide immediate assistance to you through a 24-hours emergency hotline.

Please find attached a QBE Cyber and Data Security (CDS) brochure and Coverage Summary (including claim scenario) and please feel free to call your agent / broker for further information.

How to obtain a quote? – Please provide us with the completed proposal form.

Commercial Crime Policy

In Commercial Crime Policy, we will pay the Insured for Loss resulting directly from:

  • Any commercial crime act committed by an employee including any acts of fraud or dishonesty whether identified or not (acting alone or in collusion with other persons) with the principal intent to cause the Insured to sustain a loss or to obtain any personal financial gain
  • Any fraudulent act of any other person (which is not Employee and/or director, supervisor of the board or partner of the Insured) including but not limit to any fraud, or theft

Important Notice:
The above only serves as a general description of our products and services. For full product details and coverage, please check with your insurance broker, agent or with QBE Vietnam directly.

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