FAQs

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What is professional indemnity insurance?

Protection against claims made against you as a result of allegations of professional negligence. Cover includes legal defence costs (incurred with insurer’s prior agreement) and any damages awarded. Claims for negligence can be made against any company providing professional services.

What is public liability insurance?

Protection against claims for legal liability in respect of accidental bodily injury to third parties, or damage to third party property arising in the course of your business activities.

What is employers’ liability insurance?

Protection against claims from employees for legal liability in respect of injury or disease which arise in the course of their work and for which you are responsible. Employers’ liability insurance is a compulsory insurance for all employers with limited exceptions in law.

What is personal accident insurance?

Personal accident cover will pay your business a weekly sum if you, or an insured employee, are unable to work after an accident.

What is office insurance?

Whether you work from home or a separate business premises, having the right insurance cover for your office is important. We can look at your bespoke needs and review your risk requirements to cover your office contents, buildings insurance, legal expenses, portable equipment and business interruption cover. With you we can understand the levels of cover required to protect you from lost or stolen and accidental damage.

What is cyber security insurance?

Protect your business against cyber and electronic risks when using the internet and email. A traditional commercial insurance policy is extremely unlikely to protect against most cyber exposures. Standard commercial policies insure against injury or physical loss and will do little, to shield you from cyber related damages and the associated costs they may incur. Exposures are vast, ranging from the content you put on your website to stored customer data. Awareness of the potential cyber exposures your company faces is essential to managing risk through proper cover.

What is a captive?

A captive is wholly owned insurance subsidiary of a non- insurance parent company, which is used to self-insure the risks of the parent and associated companies. Formalising your self-insurance strategy by paying internal premiums to your own captive insurer is a flexible and efficient environment in which to provide for self-insured losses.

What is a directors and officers liability?

Directors’ and officers’ liability insurance – also known as D&O insurance – covers the cost of compensation claims made against your business’s directors and key managers (officers) for alleged wrongful acts.

What is personal accident and travel insurance?

Provides cover to you if you fall ill when you are overseas and need medical treatment? Or maybe you have to cancel your holiday in the UK because you are made redundant or a member of your family is taken into hospital. It will also cover you if the airline goes bust and you can’t reach your destination?

Why do I need marine and transit risks cover?

Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

What is business interruption?

Any loss or damage to buildings, fixed plant and machinery is likely to lead to a loss of profits. A business interruption policy will meet your increased costs of working, including fixed expenses (such as salaries), and the loss of net profits to your business.

What are contract works?

Many businesses not only supply but also fit architectural products, flooring, fireplaces etc. Contract works insurance offers protection against loss or damage to such items while under construction. Cover can include materials on site, own plant, hired plant and any tools and equipment.

What is contractual liability?

Businesses often enter into contracts that impose additional liabilities over and above those imposed by law. These are generally excluded from insurance policies, unless in the absence of the contract, liability would have attached under common law.

Protecting contractors’ plant?

This is an important part of any insurance programme for businesses in the extraction sector. Cover is available for loss or damage to mobile contractors’ plant, either while on your premises or anywhere in the UK. A range of risks – such as fire, malicious damage and flooding – are covered, but theft is the major concern for insurers. A combination of good site security, immobilisers, and identification marking systems allows insurers to offer good discounts.

What do I need to protect if I design and construct?

Many businesses are involved in design and construction, and they are often required to insure their legal liabilities arising from negligence in the conduct of such activities. Professional indemnity can protect you for your liability to pay damages in the event of a claim.

What is environmental impairment?

Gradual pollution can emanate from a range of sources, such as leaks or corrosion, either through your current activities or historic contamination of a site. With the increase in environmental litigation, you could become legally responsible for remediation expenses in the case of a pollution incident. An environmental impairment liability policy will provide cover for gradual pollution. Where pollution is due to a sudden, accidental event, third-party property damage should be covered under your public liability policy.