Property, liability, motor fleet, construction industry, commercial vehicle

professional indemnity, landlords let and unoccupied property 

shop, office, surgery, restaurant, fast food outlet, hotel 

charity and charity enterprise

What we can do

We can quote for sole practitioners, partnerships and limited companies, and not-for-profit organisations including charities, professional and trade associations and advisory bodies that provide advice or services based on their knowledge and expertise.

There are a number of bespoke products for:

• Accountants - both qualified and unqualified accountants - as well as bookkeepers and personal tax advisers.

• Architects and consulting engineers, including acoustics engineers, architectural technicians, town planners, interior designers and landscape architects.

• Design and construction contractors who take on the design and specification element of a contract or undertake design and build contracts.

• Motor traders - a professional indemnity solution for our motor trade policyholders that provides cover as stipulated by the FSA.

•  Surveyors and estate agents - we cover most property-related consultancy risks, such as letting agents, property managers and auctioneers.
• Other professions - the list is wide and diverse so just ask your usual contact to see how we can help.

What we can't do

We are unable to provide quotations for medical malpractice or treatment, independent financial advice, financial institutions, property development, product design and waste management consultancy, and the education sectors.

Professional Indemnity

Professional Indemnity products protect a wide range of professionals from financial loss as a result of a claim made against them for an alleged breach of their professional duty. It covers both a policyholder's defence costs, as well as providing indemnity for the claim itself.

Key features

Typical minimum policy cover will normally include:

• An indemnity limit written on any one claim basis

• Costs incurred to restore or reinstate lost or damaged documents under the insured's control.

• Court attendance costs if called as a witness when defending a claim.

Policies are tailored to meet the specific needs of a variety of professions including:

• Design and build contractors.

• Architects and consulting engineers.

• Surveyors and estate agents.

• Accountants.

• IT consultants.

• A range of other miscellaneous professions.

Additional benefits

• Specialist claims handling teams.

• Confidential legal and tax helplines, offering free support on key business issues.

• Counselling service for policyholders and their employees.

• Expert advice on Risk Management Solutions, training and consultancy in areas such as Health and Safety legislation, environmental management, security and business continuity.