Computer Insurance
Public Liability Insurance
A Public Liability policy indemnifies the policy holder in respect of all sums which policy holder shall become legally liable to arising out of accidental Bodily Injury, Nuisance or loss of or damage to material property occurring during the Period of Insurance. This policy indemnifies Principals carrying out work under contract or agreement for the…
Business Interruption Insurance
Business interruption insurance is a vital component of any business continuity plan as it is the critical part of ‘who pays.’ The insurance industry recognised the basic principles and practices of business continuity long before the term was coined. ‘Loss of profits’, as an insurable risk, was first implemented in 1797. Business interruption insurance (BI)…
Commercial Combined Insurance
A Commercial Combined Policy is designed to give you peace of mind from an Insurance that can be tailored to suit your individual business requirements. This type of Insurance policy will cover a wide range of occupations and trades. We will discuss your requirements and identify issues that could affect your business. This ensures that…
Directors & Officers Insurance
Directors and Officers may be held personally liable to any parties that have an interest in the running affairs of a company, be that a PLC or a Limited company. Most directors of a company should be aware of directors and officers duties, which are wide ranging and sometimes complex. This aspect alone means there…
Employers Liability Insurance
Employer’s Liability insurance is designed to provide indemnity to your business in the event that you are sued by an employee who has suffered personal injury as a consequence of your negligence or the negligence of your other employees during the course of their employment by you. Even if you or your employees are found…
Employment Practices Liability Insurance
Employment Practices Liability Insurance is a relatively new form of liability insurance. It provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including its Directors and Officers….
Environmental Impairment Liability Insurance
Pollution liability exposure is no longer limited to “traditional” polluting industries. Most organisations are now exposed, particularly: • Manufacturing companies of all sizes • Power, utilities, infrastructure and transportation companies • Waste management companies and contractors • Investors and other organisations involved in buying and selling businesses and property • Construction companies and contractors •…
Legal Expenses Insurance
Legal disputes are often costly and stressful to pursue or defend. Many people are deterred from taking legal action because of the financial risk and uncertainty of the outcome. This is where legal expenses insurance (LEI) can help. Unlike conventional insurance, LEI does not make a direct payment for a claim. Instead, the insurance covers…
Professional Indemnity Insurance
A Professional is someone whose occupation requires special training and skill. Historically, solicitors, accountants, architects, engineers, and medical professionals were the sole occupations that fell into this category as their industries established strict requirements and codes of conduct for regulation. In order to practice in these fields, it was necessary to undergo formal training, pass…