The about Professional Indemnity policy has been developed to cater for a broad range of occupations, activities & professions.

The additional coverage sections available include General & Products Liability, which can be tailored to be taken as a total package or alternatively may be taken on a standalone basis.

Security

about Underwriting’s specialised products are underwritten by certain underwriters at Lloyd’s, or where otherwise disclosed. Lloyd’s is the world’s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent. Lloyd’s enjoys strong financial security supported by excellent ratings.

Visit www.lloyds.com for more information.

Capacity

Limits up to $20,000,000 any one claim plus reinstatement(s)

We have access to Lloyd’s and other company markets for any risks which fall outside of the above Risk Appetite.

CIVIL LIABILITY INSURING CLAUSE

Cover provided under the Insuring Clause, in respect of the conduct of the professional services includes:

• Breach of duty (including a fiduciary duty)
• Breach of privacy or confidentiality
• Breach of warranty of authority committed in good faith
• Unintentional defamation
• Unintentional infringement of any intellectual property rights
• Contraventions of the misleading and deceptive conduct and corresponding consumer protection provisions

AUTOMATIC EXTENSIONS

• Claims Preparation Costs and Expenses $25,000 sub-limit
• Civil Compensatory Orders or Civil Penalties $250,000 sub-limit and $500,000 in the aggregate
• Continuous Cover
• Court Attendance Costs
• Emergency Costs Advancement
• Estates, Heirs, Legal Representatives and Assigns
• Extended Notification Period
• Fraud, Dishonesty or Intentional Acts
• Investigation Costs and Expenses $500,000 sub-limit of Liability
• Joint Ventures
• Limitation of Liability Contracts
• Loss of Documents $500,000 sublimit
• Mitigation Costs and Expenses $100,000 sub-limit
• Newly Acquired or Created Entities & Subsidiaries
• Public Relations Expenses $100,000 sub-limit
• Run-off
• Spousal Liability
• Vicarious Liability for Consultants, Sub-Contractors and Agents

OPTIONAL EXTENSIONS AVAILABLE

• Contractual Liability
• Fidelity Guarantee
• Indemnity to Consultants, Sub-Contractors and Agents
• Multi-year Run Off after merger, takeover, sale, winding up of the Insured
• Previous Business Coverage
• Proportionate Liability
• Pre-Acquisition Liability

TERRITORIAL LIMITS

Coverage extends to anywhere in the world excluding the USA and Canada

JURISDICTION

Coverage extends to claims or investigations anywhere in the world, excluding the USA & Canada

ADDITIONAL COVERAGES AVAILABLE

• Additional Reinstatement Of Policy Limits
• Costs In Addition Limit Of Indemnity
• Costs Exclusive Deductible
• Extended Continuous Cover
• Waiver of Subrogation Extension