SUMMARY OF COVER

Civil Liability (Compulsory)

• Cover is provided on a civil liability basis and specifically provides cover for claims made against the Insured for legal liability arising from:
  • Breach of professional duty
  • Dishonesty of employees
  • Libel or slander
  • Unintentional breach of confidentiality
  • Unintentional infringement of intellectual property rights (Many insurers limit this cover to copyright only)
  • Loss of or damage to documents
• Costs of prosecuting claims for infringement of the Insured's intellectual property rights (sub - limit £25,000 in the aggregate)
• Costs of representation at any inquiry which has a direct relevance to any claim or circumstance
• Data Protection cover; This relates to the legal costs incurred to defend a criminal prosecution under the Data Protection Act.
• Irrecoverable Fees. Often claims can be avoided (and therefore business relationships saved) by consideration being given to waiving outstanding fees owed. Where it can be shown that the pursuit of such fees would result in a greater counter-claim then the cover allows us to work with the Insured closely and potentially reimburse the outstanding fees
• Defence costs (lawyers, court costs, experts etc) which are payable in addition to the Indemnity Limit
• Compensation of court attendance
• Release of Confidential Information

Main Exclusions

• Risks that should be insured elsewhere e.g. Employers and Public Liability, Public / Products Liability, (although these may be included in section 2), Property, Land etc.
• Whilst our standard cover gives protection for work undertaken anywhere it does exclude North American Jurisdiction. We can normally extend the cover on request .
• War, Terrorism & Nuclear risks .
• Seepage and Pollution; Asb estos and Toxic Mould.
• The Excess.
• Claims and circumstances known at inception of cover.
• Trading losses, fines and penalties.
• Insolvency or bankruptcy of the Insured.
• Viruses.

Section of the Policy that contains further details

SECTION 1 - PROFESSIONAL INDEMNITY INSURANCE

General Liability Section

Employers Liability

• Cover is provided for your legal liability to employees injured whilst in your employment.

Public/Products/Pollution Liability

• Cover is provided for your legal liability to pay damages for bodily injury and/or damage to property occurring during the period of insurance.
• Cover is provided for your legal liability to pay damages for bodily injury and/or damage to property arising out of or in connection with any product occurring during the period of insurance.

Additional Benefits:

• Cross Liabilities: Each person or party specified as the Insured in the schedule is separately indemnified.
• Indemnity to Principals.
• Defence costs arising from the following:
  • representation at any Coroner's Inquest or Fatal Accident Inquiry
  • cases of breach or alleged breach of the United Kingdom Health & Safety at Work Act 1974
  • cases of breach or alleged breach of Part II of the Consumer Protection Act 1987 in proceedings not consequent upon a deliberate act or omission.

Section of the Policy that contains further details

SECTION 2 - GENERAL LIABILITY INSURANCE

The following excesses apply to your policy as a whole regardless of the specific cover you have selected. For full details of these please read your Policy Wording/Schedule.

Excesses