Today’s professional expects the best of both worlds from their insurance: an easy, quick buying process, yet comprehensive cover, and all at a competitive price. Our policy is a product designed to surpass these expectations – it is much more than just a professional indemnity insurance. Most small and medium-sized professional risks are suitable, and our experienced team are also happy to consider very specialist or unusual professions. Our modular policy is targeted at key exposures for professional services firms, and some of the features are listed below.
Comprehensive legal cover
Our policy includes cover for suits brought anywhere in the world as standard. We also offer full civil liability coverage and cover costs incurred by attending court sessions in relation to a claims or loss case covered by this policy.
Clear, unambiguous cover for breach of a client contract. We will pay sums which you become legally obliged to pay as a result of a claim by a client made against you, including liability for claimants’ costs and expenses.
Withheld fees & claims cover
Claims can quickly spiral out of control and incur a significant cost to the business or individual. That’s why our policy includes reimbursement of costs incurred to help reduce or avoid a claim, as well as the payment of fees withheld by an aggrieved client if this mitigates a potentially larger claim.
Breach of Intellectual Property rights
Our policy covers costs associated with copyright and trademark infringement claims being brought against you, including legal costs, damages, settlements and counterclaims.
Full pollution liability
This feature covers both sudden as well as accidental and gradual pollution, which is an increasingly important exposure as environmental regulations become stricter and more complex.
Cyber liability cover
Most businesses hold sensitive data entrusted to them by their clients. Losing this data as a result of a hack attack or computer virus can lead to potential liability and significant brand damage. In order to address this emerging risk, we have designed a specific module of cover that provides explicit protection.
Traditional office cover
Our policy includes a comprehensive package of coverage including products liability, employers’ liability, property cover, and our innovative business interruption insurance.
Business interruption cover
It’s not always possible to foresee where the next business interruption comes from, so our innovative cover is offered on a “flexible first loss” basis, which means whatever type of business interruption loss is suffered, only one sum insured needs to be purchased.
Property in transit
We recognise that your property travels with you, so our cover includes worldwide laptop protection as standard, and can be extended to other property you value.