Aggregate/Any One Claim Costs Included or Costs Excluded

Legal costs, including the costs of legal investigation and defence, loss adjusters, experts, court costs and claims settlement are normally covered by Professional Indemnity policies. Some PI policies include the payment of these costs within the cover limit of the policy (known as the ‘limit of indemnity’), in which case there is effectively less cover for paying damages (‘Costs Included’). Other policies cover these costs under a separate part of the policy, ensuring the maximum amount is available for paying damages (‘Costs Excluded’).