Professional Liability

Primary and excess cover for Employment Agent firms of any size 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. Cover is on an Any One Claim basis and includes:

• Civil Liability Coverage

• Fraud & Dishonesty Coverage

• Vicarious Liability Extension

• 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)

Primary cover for Engineers from civil to heating and ventilation domiciled in UK 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.  

Our Civil Liability coverage is on an Any One Claim basis  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

• Worldwide Territorial Limits

• Collateral Warranty Coverage

• Sub-Contractor Coverage

• Pollution & Asbestos Extensions

Primary and excess cover for all non-Lloyds brokers from the high street broker to independent regional brokers. For civil liability, dishonesty of employees including directors and partners, loss of documents, damages awarded by Ombudsman awards, compensation for court attendance, and FCA Investigation costs.

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. Cover is on an Any One Claim basis including:

• Civil Liability Coverage

• Fraud & Dishonesty Coverage

• Worldwide Territorial Limits

• Ombudsman Awards

• Binding Authorities Extension

• Investment Product Advice Extension

• Loss of Documents

• 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

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. Cover is on an Any One Claim basis including:

• Civil Liability Coverage

• Fraud & Dishonesty Coverage

• Loss of Documents

• USA/Canada Jurisdiction Extension

• 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)

• Unintentional infringement of intellectual property rights

• Defamation

• Worldwide territorial limits excluding North America (North American cover optionally available)

Primary and excess cover for a range of marketing and media businesses including broadcasters, advertising agents, public relations consultants, direct marketing, marketing consultants and promotional materials. Covers professional liability, errors and omissions, including libel and slander, intellectual property rights and mitigation of loss.

• Civil Liability Coverage

• Fraud & Dishonesty Coverage

• Loss of Documents

• Mitigation of Loss Extension

• USA/Canada Jurisdiction Extension

• 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)

• Unintentional Infringement of intellectual property rights

• Defamation

• Worldwide territorial limits excluding North America (North American cover optionally available)

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. Cover is on an Any One Claim basis including:

• 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

Our Solicitors product is for practising solicitors (minimum of seven partners). 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.  Cover is on an Any One Claim basis including:

• Civil Liability Coverage

• Death & Permanent Disability Extension

• 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

• Fully compliant with Law Society minimum terms and conditions

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 tailor a Professional Liability solution to the activities of the client are.  Covers professional liability, errors and omissions for any miscellaneous profession not fitting into any of the other categories (i.e. conference organisers, auctioneers, loss adjusters, translators, etc). Cover is on an Any One Claim, “ Civil Liability” basis and 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)

Primary and excess layer protection for Technology and Telecommunications businesses 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.

• Fraud & Dishonesty Coverage

• 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. Includes

1. Wrongful Act, error or omission

2. Misstatement, misleading statement

3. Unintentional breach of contract

4. Defence Costs inclusive of Policy Limits (policy retention is applicable to defence costs)

5. Fraud and Dishonesty

6. Unintentional Infringement of intellectual property rights

7. Defamation

8. Worldwide territorial limits