When you seek professional advice from a qualified solicitor, architect, financial advisor, surveyor or insurance broker, you expect their expert guidance to be consistent with the best practice for their particular sector. Unfortunately, in some cases, this advice is misleading or inaccurate – and you may incur a substantial financial loss as a result.
All professionals, whatever their area of expertise, have a duty of care to their clients. If this duty of care is breached, and the breach directly results in any form of financial loss or damage to the client, it may be possible to make a professional negligence claim.
This guide is intended to be a brief overview of some of the important considerations and procedures when embarking upon a professional negligence claim.
What Is Professional Negligence?
When you think of a professional person being negligent, many people will simply assume it relates to bad advice, carelessness or poor conduct.
Generally, the scope and depth are wide, but professional negligence specifically occurs when a professional person fails to perform his/ her duties to the required standard. This failure has then caused the professional’s client to suffer a loss.
Who Is A “Professional”?
A professional is a person with a particular skill, for which they are paid. Examples include a surveyor, architect, solicitor or accountant, but the list is extensive.
Who Can Bring A Negligence Claim Against A Professional?
The professional must owe the person making the claim a duty of care.
Generally, in professional negligence cases, this arises when there is a contractual relationship between the parties, and if this is the case, the claimant will also have a breach of contract claim.
However, there doesn’t always have to be a contract as it is taken as given that professionals assumed responsibility towards their clients.
Potential claimants should be aware that bad service or an error does not necessarily constitute negligence. After a duty of care has been established, to prove negligence the client must also show that:
- The action (or lack of action) taken by the professional has fallen below the standard expected of a reasonably competent equivalent person of the same professional. This is the breach of that duty; and
- That this breach caused the client some form of loss. In simple terms, for a negligence action the claimant must prove that “but for the professional’s negligence, he would not have suffered loss”. The claimant should also bear in mind that the loss suffered is not be too remote.
Whether or not a loss is too remote depends on whether the claim is being brought in contract or just pure negligence. In a breach of contract claim the claimant can recover either the losses arising naturally from the breach of contract itself, or, losses that would reasonably have been in the contemplation of the parties at the time the contract was made.
In a pure negligence claim, the test is that the type of loss must be reasonably foreseeable at the time the duty was breached.
How Long Does A Claimant Have To Bring A Professional Negligence Claim?
Court proceedings must be brought within a certain time limit for a negligence claim.
The general rule in a professional negligence claim is that the claim must be brought within six years from the date of the negligence.
In some situations, however, where the negligence only becomes apparent later down the line, this period may be extended. The limitation period is then three years from the date of knowledge of the facts which give rise to the claim.
There is however a longstop date of 15 years within which claims must be brought.
Other Factors In Negligence
Mitigation In Negligence
Claimants should be aware that in negligence claims, they have a duty to mitigate their losses. What this means is that a person claiming negligence must take reasonable steps to minimise their losses; they can’t simply allow or losses to accrue when they could be prevented, and they must avoid any steps that could increase their loss.
In a professional negligence claim, if the claimant fails to mitigate their loss, they will not be able to recover damages for losses which could have/ would have been avoided if the claimant had taken reasonable steps.
The professional pursued in the negligence claim may seek to argue that the claimant has caused or contributed to the losses it is claiming that the negligence has caused. If the defendant professional is able to show contributory negligence, the damages claimed may be reduced in light of what the claimant itself had responsibility for.
Professional negligence claims can be complex, and it is important to seek advice from a specialist solicitor who is experienced in dealing with this type of claim.
If you need any advice in relation to a claim for professional negligence, please do not hesitate to contact me on 01133 50 40 30 or at firstname.lastname@example.org.
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SCE Solicitors is a boutique employment law and dispute resolution practice based in Leeds which advises clients nationwide. Please note that the information in this blog is to provide information of general interest in a summary manner and should not be construed as individual legal advice. Readers should consult with SCE Solicitors or other professional counsel before acting on the information contained here.