Customer Notice: Policyholders experiencing financial difficulties due to coronavirus, please go here to see your options.
Customer Notice: Policyholders experiencing financial difficulties due to coronavirus, please go here to see your options.
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.
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.
Features & Benefits
Cover
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.
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.
Cover
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.
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:
Cover
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.
Features & Benefits
Cover
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.
Features & Benefits
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:
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.
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:
Cover
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.
Features & Benefits
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:
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.
Features & Benefits
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:
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.
Features & Benefits
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:
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.
Cover
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.
Features & Benefits
Cover
Employers' Liability
Public/Products Liability
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).
Features & Benefits
Cover
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.
Features & Benefits
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:
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.
Features & Benefits
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:
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.