Professional Liability — doctors, lawyers, engineers, accountants
Professional liability policies for regulated orders and categories. High sum-insured, claims-made vs loss-occurring, retroactive cover, category-specific exclusions.
Professional liability: hidden complexity behind a simple name
Professional liability is an apparently standard line that hides strong verticality. Each category (doctors by specialty, lawyers by practice area, engineers by activity, accountants by service rendered) has distinct tariffs, mandatory minimum sums insured (e.g. L. 247/2012 for lawyers, L. 24/2017 for doctors), specific exclusions, retroactive and run-off management. The prevailing model is claims-made with complex triggering: NewPicass 14.Net natively handles claims-made and loss-occurring, premium calculation for retroactive (5-10 years or unlimited) and run-off extension, per-coverage sub-limits, per-event and annual sub-limits, category-specific exclusions. Underwriting workflow with dynamic professional questionnaire, bar/roll verification via API (Italian CNF for lawyers, ENPAM for doctors, CNI for engineers, ODCEC for accountants), sum-insured validation against statutory obligations.
Professional categories covered
Healthcare (doctors)
By specialty: general practice, surgery, gynaecology, anaesthesia, dentistry. 10-year run-off mandatory (L. 24/2017).
Legal (lawyers)
Mandatory PI under L. 247/2012. Statutory minimum sums insured, sub-limits for court-appointed support administration.
Engineers & architects
Design, site supervision, testing, safety. Activity-based sums under D.Lgs. 81/2008.
Accountants & auditors
ODCEC professional liability, statutory audit (D.Lgs. 39/2010), liability for tax and corporate advice.
Labour consultants
Liability for labour-law advice, payroll, contributions. Typical sums by category agreement.
Other regulated categories
Notaries, pharmacists, surveyors, agricultural/industrial experts, real-estate agents, condominium managers.
Regulations and typical mechanisms
How to operate this sector with the platform
Frequently asked questions on professional liability
What's the difference between claims-made and loss-occurring?
Loss-occurring: the policy covers claims whose triggering event occurs during the policy term, regardless of when the claim is reported. Claims-made: the policy covers claims reported during the policy term, including for prior events if a retroactive date is set. Italian professional liability is almost always claims-made with a specific retroactive (5-10 years or unlimited) and run-off (minimum 10 years for doctors, mandated by L. 24/2017). NewPicass 14.Net handles both with automatic pro-rata premium calculation for extensions.
Does the platform support the Gelli-Bianco Act (L. 24/2017) mandatory cover for doctors?
Yes. L. 24/2017 (Gelli-Bianco) made professional liability cover mandatory for healthcare practitioners, with specific requirements: minimum sums insured by specialty (surgery, gynaecology, anaesthesia have higher minimums), 10-year run-off mandatory, retroactive cover. NewPicass 14.Net includes templates and underwriting rules per healthcare category, minimum-sum validation, automatic premium calculation for extensions.
How are professional-order group policies handled?
Many Italian orders (lawyers, engineers, accountants) negotiate group policies for their members with preferential terms. NewPicass 14.Net handles the master agreement + individual adhesions: the order signs the framework contract, individual professionals adhere via self-service portal with bar/roll verification, discounted premium, certificate auto-issued. Mass renewal management and adhesion tracking.
Can I configure differentiated sums insured per risk area?
Yes. For example, for a lawyer you can configure a dedicated sum for support administration (specific risk), for an engineer separate sums for structural design vs site supervision vs testing. The system validates that the sum insured is consistent with the IVASS-approved tariffs and supports per-coverage sub-limits.
Does the system handle run-off policies (claims-made after activity ceases)?
Yes. The run-off policy covers claims reported after professional activity ends. NewPicass 14.Net handles: 10-year run-off issuance at retirement, run-off for heirs in case of death, run-off for cancellation from the roll. One-off or installment premium, non-cancellable conditions (run-off is typically non-cancellable by the insurer).
How are professional-liability claims with long cycles managed?
The claims module handles the long cycle typical of professional liability: claim opening with classification (medical malpractice, professional error, omission), expert/lawyer appointment, IBNR reserve tracking with periodic reviews, possible pre-litigation expert assessment (Italian art. 696-bis c.p.c.), mediation/CTU, settlement or judgement. Typical durations: 3-7 years to closure. Exposure reporting for reinsurers.
See NewPicass 14.Net configured for RC Professionale
45 minutes with one of our engineers. We show you the platform with workflows, tariffs and policies typical of this line — not a generic demo.