Employers Liability

• An employer is not an insurer of his staff - he is only liable for their injuries where there is a breach of duty at common law or under statute
• Obligation to insure under Employers Liability ( Compulsory Insurance ) Act 1969
• Standard limit of £10,000,000 but increased limits available
• Extensions for Health & Safety At Work, Retrospective Cover, Indemnity To Other Parties available
• Premiums are normally based upon the estimated annual wage roll and types of work undertaken

Public Liability

• Covers the insured's legal liability to compensate third parties for personal injury &/or damage to, or loss of, property. Primarily covers risks relating to the premises & activities of the business
• Limits available to suit your requirements - £1,000,000, £2,000,000, £5,000,000,
  £10,000,000 and increased limits available
• Extensions for Legal Expenses, Retrospective Cover, Indemnity To Other Parties, Principals, Cross Liabilities, Motor Vehicle Contingent Liability, Leased / Rented Premises, Data Protection Act, Defective Premises Act and Financial Loss available
• Premiums are normally based upon the limit of indemnity selected, estimated annual turnover and the type of activities undertaken

Products Liability

• Protection against claims by third parties for property damage or injury caused by your products where you are found to be negligent. Injury or damage may have its origin in defective manufacture, incorrect use of the product, inadequate warning, misleading labelling, wrong delivery etc.
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  Limits available to suit your requirements - £1,000,000, £2,000,000, £5,000,000, £10,000,000 and increased limits available
• Extensions for Legal Defence Costs, Financial Loss, Retrospective Cover, Indemnity To Other Parties and Products Guarantee / Recall available
• Premiums are normally based upon the estimated annual turnover, nature & quality of the products, indemnity limit and activity of the insured

Employment Practices Liability

• Indemnifies the insured organisation against damages and claimants costs in respect of claims made during the insurance period alleging unfair employment practice eg wrongful / unfair dismissal, discrimination, harassment, wrongful disciplinary reaction, failure to employ / promote, misrepresentation, defamation etc
• Type of claims covered include tribunal proceedings, civil arbitration proceedings, written demands for monetary compensation / reinstatement etc
• Cover usually applies on a worldwide basis
• Extensions for Health & Safety At Work, Retrospective Cover, Indemnity To Other Parties available
• Limits available to suit your requirements - £1,000,000, £2,000,000 and increased limits available
• Premiums are normally based upon the indemnity limit, history of the insured and number of employees

Professional Indemnity

• Required for those exposed to the risk of causing bodily injury eg doctors, dentists, surgeons, pharmacists and those who may cause financial loss eg investment managers and others such as accountants, advertising agents, computer consultants, estate agents etc. Compulsory for insurance brokers, solicitors and members of Royal Institute of Chartered Surveyors
• A professional owes a duty of care to his clients under contract
• Protects against claims for damages and claimants costs for breach of professional duty due to a negligent act, error or omission
• Extensions for Libel & Slander, Fee Recovery, Outgoing Partners, Cover on Documents, Breach of Warranty of Authority available
• Limits available to suit your requirements - £1,000,000, £2,000,000, £5,000,000 and increased limits available
• Premiums are normally based upon the indemnity limit, estimated annual gross fee income and number of partners, staff & offices

Directors & Officers Liability

• Protects the insured organisation for claims made by third parties against the Directors & Officers of it for actions based on breach of duty / contract / trust / warranty of authority, neglect, misstatements, misleading statement, wrongful trading, errors or omissions
• Available to private / limited / not for profit companies
• Limits available to suit your requirements - £1,000,000, £2,000,000, £5,000,000 and increased limits available
• Premiums are normally based upon the type of company, estimated annual turnover and limit of indemnity