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Professional Liability

An individual approach to protecting your practice’s financial security.

Each day professionals need to make decisions and some of these may be questioned, perhaps as much as years afterward. Professional Liability (also known as Professional Indemnity) allows whole the practice team to do their jobs without always looking over their shoulders.

Professional Liability insurance covers claims that are actually made while the policy is in force, even if the error causing it happened years ago. So it should be kept up to date; otherwise there’s no protection against the undiscovered consequences of work done in the past.

Product Details

We insure a broad range of professional activities and recognise that the areas of risk or grounds for complaint are often quite different between them.

That’s why our policies are designed around the real needs of particular classes of professional – and from individual contractors to large firms.

We have developed our own wording which is fully compliant with the ICAEW minimum terms and conditions.

 

Who is it for?

 

Accountants (minimum of two partners).

We will consider the majority of risks from sole practitioners to larger practices and will specifically target those firms which can demonstrate a positive approach to risk management.

See our Risk Appetite
 

Features & Benefits

  • Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.
  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis

     

Cover

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fidelity Coverage
  • Worldwide Territorial Limits
  • Innocent Non-DisclosureICAEW compliant wording
  • Ombudsman Awards
  • Partners Previous Business Extension

     

Primary and excess cover for civil liability, including fidelity cover and extensions for the loss of documents and Ombudsman awards.

Our underwriting approach is geared towards targeting those practices which can demonstrate a sound business model and a positive approach to risk management. We will consider all UK or Eire domiciled risks, from SME to the larger practice, on a primary and excess layer basis.

 

Who is is for?

 

Architects. We will consider the majority of risks from the sole practitioner to larger practices.

See our Risk Appetite

 

Features & Benefits

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

  • Claims Made
  • Any One ClaimCivil Liability, including but not limited to:
            - Wrongful Act, error or omission
            - Misstatement, misleading statement
            - Breach of confidentiality
            - Breach of contract occasioned by negligence
            - Fraud and Dishonesty
            - Infringement of Intellectual Property Rights
            - Defamation
            - Collateral Warranties
            - Asbestos – up to £250,000
            - Sudden and Accidental Pollution – up to £1 million
            - Estate Agents and Health & Safety / Construction
              Design  
  •  Management Legislation
            - Specialist Designers
            - Joint Ventures

 

Cover

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Worldwide Territorial Limits
  • Collateral Warranty Coverage
  • Sub-Contractor Coverage
  • Pollution & Asbestos Extensions
  • GBP16 million capacity
  • Primary & Excess Layer


     

Primary and excess cover for errors and omissions, libel and slander, loss of documents, property conversion, dishonesty of employees, breach of warranty of authority and compensation for court attendance.
We have developed a product specifically for the needs of bailiffs and private investigators with coverage extended to provide protection in respect of property conversion, breach of warranty of authority and trespass.

 

Who is it for?

 

We will target and can provide significant levels of capacity for all bailiffs, debt collection agencies and private investigators.

See our Risk Appetite

 

 

Features & Benefits

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered. Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis


Cover

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Loss of Documents
  • Court Attendance
  • GBP 16.5 million Capacity
  • Ombudsman Awards
  • Primary & Excess Layer
  • USA/Canada Jurisdiction Extension


     

Primary and excess cover for errors and omissions, libel and slander, loss of documents, intellectual property rights and mitigation of loss.

Our Design & Construction product continues to compliment our portfolio of construction wordings.

 

Who is it for?

 

Construction firms with design or supervision contractual responsibility exposure.

See our Risk Appetite

 

Features & Benefits

  • Any One Claim Coverage
  • Fraud & Dishonesty Coverage
  • Worldwide Territorial Limits
  • Collateral Warranty Coverage
  • Sub-Contractor Coverage
  • £10 million Capacity
  • Primary & Excess Layer
  • Pollution & Asbestos Extensions


Cover

  • Breach of Duty of Care including:
        - Negligent Act, Error or Omission
        - Misstatement
        - Misleading Statement
        - Breach of Confidentiality   
  • Breach of Contract occasioned by Negligence
  • Fraud and Dishonesty
  • Infringement of intellectual property rights
  • Defamation
  • Collateral Warranties
  • Fitness for Purpose
  • Duty to Warn
  • Asbestos – up to £250,000
  • Sudden and Accidental Pollution – up to £1 million
  • Estate Agents and Health & Safety / Construction Design Management Legislation
  • Specialist Designers
  • Joint ventures
  • Defence Costs inclusive of Policy Limits
  • Retention applicable to Defence Costs
  • Worldwide territorial limits excluding USA and Canada

     

Primary and excess cover for errors and omissions, libel and slander, loss of documents, dishonesty of employees and compensation for court appearances. Can be extended to cover vicarious liability of temporary placements.

Our product offers a highly competitive solution for Employment Agents seeking Professional Indemnity cover.

 

Who is it for?

 

We can consider Employment Agent firms of any size and will write on a primary and excess layer basis.

See our Risk Appetite

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Worldwide Territorial Limits
  • Vicarious Liability Extension
  • Primary & Excess Layer
  • GBP 16.5 million Capacity




Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered

Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis
     

Primary cover for errors and omissions, libel and slander, loss of documents, intellectual property rights and mitigation of loss.

We do not participate on any market line slip and are a truly independent solution for brokers to consider for this class of business.

 

Who is it for?

 

Engineers domiciled in UK or Eire.

We will consider all forms of engineer from civil to heating & ventilation. Our target market are engineers domiciled in the UK or Eire on a primary basis, including those risks with a nominal amount of overseas income.

See our Risk Appetite

Features & Benefits

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

Civil Liability, including but not limited to:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Breach of contract occasioned by negligence
  • Fraud and Dishonesty
  • Infringement of Intellectual Property Rights
  • Defamation
  • Collateral Warranties
  • Asbestos – up to £250,000
  • Sudden and Accidental Pollution – up to £1 million
  • Estate Agents and Health & Safety / Construction Design Management Legislation
  • Specialist Designers
  • Joint Ventures

Cover

  • Any One Claim Coverage
  • Fraud & Dishonesty Coverage
  • Worldwide Territorial Limits
  • Collateral Warranty Coverage
  • Sub-Contractor Coverage
  • GBP 10 million Capacity
  • Primary & Excess Layer
  • Pollution & Asbestos Extensions

Primary and excess cover for civil liability, dishonesty of employees including directors and partners, loss of documents, damages awarded by Ombudsman awards, compensation for court attendance, and FSA Investigation costs.

 

Who is it for?

 

Insurance brokers.

We will consider all non-Lloyds brokers from the high street broker to independent regional brokers. We have developed a product which is meets the requirements of the Financial Services Authority.

Our target market is those brokers with a bias towards personal lines and small commercial placements. However, our appetite is not restricted to those brokers and we will consider all brokers providing that they have a minimal exposure to IFA activities and reinsurance, and can demonstrate a positive approach to risk management.

See our Risk Appetite

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Worldwide Territorial Limits
  • FSA compliant wording
  • Ombudsman Awards
  • Binding Authorities Extension
  • Investment Product Advice Extension
  • Loss of Documents
  • GBP16.5 million Capacity
  • Primary & Excess Layer

Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Cover is on a “Claims Made” basis
     

Primary and excess cover provided for breach of duty of care, dishonesty of employees, unintentional infringement of intellectual property rights, defamation and loss of documents.

 

Who is it for?

 

Any management consultants.

See our Risk Appetite

 

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Loss of Documents
  • GBP16.5 million Capacity
  • Primary & Excess Layer
  • USA/Canada Jurisdiction Extension
     

Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

Our “Civil Liability” basis of cover includes:   

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “Claims Made” basis

Primary and excess cover for professional liability, errors and omissions, including libel and slander, intellectual property rights and mitigation of loss.

We understand the media market segment and have been providing Professional Liability solutions for a broad range of media companies from public relations consultants to direct marketing. We have developed a specific media product which in addition to a broad basis of coverage automatically provides mitigation of loss protection.

 

Who is it for?

 

A range of marketing and media businesses including broadcasters, advertising agents, public relations consultants, direct marketing, marketing consultants and promotional materials.

See our Risk Appetite

 

 

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Loss of Documents
  • Mitigation of Loss Extension
  • GBP16.5 million Capacity
  • Primary & Excess Layer
  • USA/Canada Jurisdiction Extension

Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional Infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis

The officials of not-for-profit entities such as charities, health service trusts, trade associations and universities have the same duty of care in the performance of their duties as the directors and officers of trading companies. These duties and responsibilities apply equally to both paid officials and volunteers who are acting as trustees and in some cases these are governed by legislation.

 

Who is it for?

 

Not-For-Profit organisations that provide advice and services.

See our Risk Appetite

 

Cover

  • Claims made
  • Any one claim limit
  • Civil liability wording
  • Unintentional infringement of intellectual property rights
  • Defamation Dishonesty of employees
  • Court attendance
  • Worldwide Territorial Limits
  • Bodily Injury or property damage arising from actual or alleged failure to achieve the legally required standard of care and skill in performing the professional services

 

 

Allows brokers to combine their IT clients’ professional, employers’ and public/products liability needs into a single insurance product, supported by additional covers and services that broaden protection and help a wide variety of technology-based companies better control their operational risks.

We have developed a product specifically for technology firms of a small to medium size, and will consider firms that offer a broad spectrum of technological based services.

 

Who is it for?

 

For technology companies up to £50m turnover, including IT Services Companies, Hardware Suppliers, Software Suppliers, IT Consultants, IT Contractors and IT Hosting Services.

See our Risk Appetite

 

 

Features & Benefits

  • Combines Professional Liability with Employers' Liability and Public/Products Liability
  • Any One Claim
  • Civil Liability
  • Worldwide Territorial Limits
  • Dishonesty of Employees
  • PI Capacity up to GBP15 million
  • EL Capacity up to GBP70 million
  • PL Capacity up to GBP70 million

Cover

Employers' Liability

  • Defence Costs - £5m aggregate in addition to limit of indemnity
  • Transfer of Undertakings (Protection of Employment)
  • Regulations (TUPE) given as standard
  • Wide definition of employee
  • Medical and Vocational Rehabilitation at no extra premium cost
  • Health and Safety loss control
  • 24 hour/365 day claims ‘Reportline’ facility
  • Serious Accident Response Service

Public/Products Liability

  • £5m aggregate defence costs in respect to Corporate
  • Manslaughter in addition to the limit of indemnity
  • Wide cover as standard, including Legionella

Cover for civil liability, damages awarded by the Legal Services Ombudsman, and defence costs, with policy extensions to include group personal accident and crisis consultancy.

Our Solicitors product continues to afford the piece of mind legal practitioners require, and fully complies with the minimum professional indemnity requirements laid down by the Law Society of England and Wales

 

Who is it for?

 

Practising solicitors (minimum of four partners).

See our Risk Appetite

 

 

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Complies with Law Society’s minimum insurance cover requirements
  • Primary Limits GBP3 million
  • Death & Permanent Disability Extension

Cover

  • Fully compliant with Law Society minimum terms and conditions
  • Our civil liability coverage means that if a claim is made by a third party because of our insureds’ business activities for a client, and we have not excluded it within the policy wording, it is covered. Civil Liability cover includes, but is not limited to:
            - Wrongful Act, error or omission
           -  Misstatement, misleading statement
           -  Breach of confidentiality
           -  Unintentional breach of contract
           -  Fraud and Dishonesty
           -  Unintentional infringement of intellectual property rights
            - Defamation
            - Defence Costs in addition to Policy Limits
           -  Retention not applicable to Defence Costs
            - Worldwide Territorial Limits

Professional liability, errors and omissions. Coverage may be tailored for each individual insured.

Specified Professions encompasses such a vast number of professions that it is impossible to list. Our breadth of underwriting expertise means that we have the ability to find a Professional Liability solution no matter what the activities of the client are.

 

Who is it for?

 

Any miscellaneous profession not fitting into any of the other categories (i.e. conference organisers, auctioneers, loss adjusters, translators, etc).

We will consider all risks, no matter what their size is, from auctioneer to translator.

See our Risk Appetite

 

 

 

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Loss of Documents
  • Mitigation of Loss Extension
  • GBP16.5 million Capacity
  • Primary & Excess Layer
  • USA/Canada Jurisdiction Extension

 

Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered

Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Fraud and Dishonesty
  • Unintentional infringement of intellectual property rights
  • Defamation
  • Defence Costs in addition to Policy Limits
  • Retention not applicable to Defence Costs
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis

Primary and excess layer protection against claims in respect of negligent acts, errors and omissions, breach of duty, dishonest or malicious acts by employees, infringement of intellectual property rights, breach of confidentiality, loss of documents.

 

Who is it for?

 

Technology and Telecommunications businesses.

We have traditionally targeted what would be considered as the larger firm, however, we have developed solutions for smaller risks, including sole practitioners. We have the ability to use significant levels of capacity on any single risk.

See our Risk Appetite

 

 

 

Features & Benefits

  • Any One Claim Coverage
  • Civil Liability Coverage
  • Fraud & Dishonesty Coverage
  • Loss of Computer Records
  • £16.5 million Capacity
  • Primary & Excess Layer
  • USA/Canada Jurisdiction Extension

 

Cover

Our civil liability coverage means that if a claim is made by a third party because of your professional services, and we have not excluded it, it is covered.

Our “Civil Liability” basis of cover includes:

  • Wrongful Act, error or omission
  • Misstatement, misleading statement
  • Breach of confidentiality
  • Unintentional breach of contract
  • Defence Costs in addition to Policy Limits (policy retention is not applicable to defence costs)
  • Fraud and Dishonesty
  • Unintentional Infringement of intellectual property rights
  • Defamation
  • Worldwide territorial limits excluding North America (North American cover optionally available)
  • Cover is on a “claims made” basis

Claims

Strong claims and defence

We have a proven track record of defending allegations against professionals. Our claims teams are Professional Liability specialists and understand the value of a rapid response, the sensitivity of commercial relationships and the importance of mounting the strongest possible defence.

Claims First

See our Value Proposition for Financial Lines Claims 

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