David is a seasoned Professional Indemnity Underwriter with 14 years of experience in the London market, including roles at Lloyd's syndicates. He currently consults for professional services firms on PI programme design and regulatory compliance. His expertise covers policy wordings, indemnity clause negotiation, and claims defence strategy for accountants, solicitors, and consultants.
David Okonkwo earned a Master's degree in Risk Management from Cass Business School (now Bayes) and holds the ACII qualification from the Chartered Insurance Institute. He spent over a decade underwriting professional indemnity risks at two prominent Lloyd's syndicates, assessing exposures for law firms, accountancy practices, architects, and financial advisers. David developed a forensic approach to policy wording analysis, understanding precisely how coverage responds to regulatory investigations and negligence allegations. He now advises professional firms on structuring their PI programmes, negotiating contractual indemnities with clients, and preparing for potential claims. His writing translates complex liability concepts into practical guidance for professionals who must balance client demands with risk exposure. David addresses topics such as run-off cover, FCA-mandated minimums, and the interplay between D&O and PI policies. His insights are grounded in real underwriting decisions and claims scenarios he has personally assessed.