Professional Indemnity is a protection for you covering your defence costs and any resulting damages awarded against you resulting from claims of ‘negligence’ made against you by a dissatisfied customer.
It is worth remembering that this insurance will cover you even if the allegations made against you are false.
In today’s world any provider of professional services, particularly those with limited company status, can be exposed to claims alleging negligence.
In addition to the above, this policy provides cover for claims made against you resulting from:-
NB: Professional Indemnity does not provide cover for third party damage or injury caused as a result of your negligence. Please refer to Public Liability for this cover.
Public Liability insurance offers protection for you against your liability for causing accidental bodily injury to third persons or damage to third party property in the course of your business activities.
This is particularly important if you work at customers’ sites or your have visitors to your own offices.
In addition to the above, this policy provides cover for claims made against you resulting from accidental injury to any person or accidental loss of or damage to property caused by goods supplied or installed by you in the course of your business.
NB: Public Liability does not provide cover for damages awarded as a result of your negligence. Please refer to Professional Indemnity for this cover.
Serious Injury cover pays an amount of money if you are suffer a permanent serious injury in an accident. The amount payable is based on an assessment of the degree of injury by an independent medical examiner, with set percentages payable for certain defined injuries. The maximum amount payable under this Policy is £125,000. Cover operates 24 hours a day, anywhere in the world.
As an example, if you lost your sight, or the use of your hands, in an accident, this would have a significant impact on your ability to work. The money payable from a claim under this Section could help you either invest in the tools and technology to allow you to continue with the work you currently do, or fund any appropriate re-training you might choose. It could also contribute to any modifications you might require to your car or house to maintain your lifestyle.
The cover options and limits available through this website are the ones most frequently requested.
However, if you have different requirements please contact us as we may still be able to help you.