At a completely HR-unrelated event I got talking to a fellow HR professional. We got on to the subject of professional indemnity - yes, the event was that exciting!
Cut a long story short she was surprised I didn’t have it, I was surprised that she did. We were both employed by companies and neither of us did consultancy or similar work.
I can understand the need for it if you were self-employed, but I’ve always thought my employer’s insurances would cover me. Am I making a (potentially expensive) mistake? I’m now getting worried.