Professional Indemnity Insurance All you need to know

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1 diret line for usiness Professionl Indemnity Insurne All you need to know

2 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Free Business Advie Servie These helplines re provided for Your use whilst Your Poliy is in fore. Eurolw Commeril Legl nd UK Tx Advie Unlimited ess to tem of legl dvisors, for onfidentil legl dvie nd guidne on ny ommeril legl prolem suh s: Employment VAT Proseution Contrt disputes Lndlord nd tennt disputes Plese note tht dvie on motoring mtters is not ville. Eurolw Commeril Legl dvie n only e offered in respet of mtters sujet to the lws of nd within the jurisdition of ourts or triunls of: Englnd Sotlnd Wles nd Northern Irelnd the Chnnel Islnds nd the Isle of Mn ny other memer ountry of the Europen Union Switzerlnd nd Norwy Tx dvie n only e offered in respet of mtters sujet to the lws of the United Kingdom. Speilist legl dvie is provided 9m - 5pm, Mondy to Fridy, exluding puli nd nk holidys. If lls re mde outside these times, You will e lled k the next working dy etween 9m nd 5pm. Stress Reltionship Depression Berevement Fmily This servie n lso help with: Onwrd referrl to relevnt voluntry, self-help groups or professionl servies Avilility of plnned (weekly) telephone ounselling sessions, time to suit ller Detils of fe to fe ounsellors in Your re Any osts rising from the use of these referrl servies will not e pid y DAS. This helpline is provided on Our ehlf y DAS Legl Expenses Insurne Compny Ltd, ll lls re reorded. DAS will not ept responsiility if the telephone helpline servies operted y them re unville for resons they nnot ontrol. In ddition to these helplines, DAS offer on Our ehlf ess to the DAS Employment Mnul. Employment mnul The DAS Employment Mnul offers omprehensive, up to dte guidne on rpidly hnging employment lw. To view it, plese visit nd selet Employment Mnul. All the setions of this we-sed doument n e printed off for Your own use. Contt DAS t with Your emil ddress, quoting Your poliy numer nd DAS will ontt You y emil to inform You of future updtes to the informtion. Tx dvie is provided y tx dvisors 9m 5pm, Mondy to Fridy, exluding puli nd nk holidys. If lls re mde outside these times, You will e lled k the next working dy etween 9m nd 5pm. This helpline is provided on Our ehlf y DAS Legl Expenses Insurne Compny Limited ll lls re reorded. Stress Counselling Helpline Aville 24 hours eh dy, 7 dys every week, ll yer round. A onfidentil ounselling servie for ny employee (nd their fmily) over the telephone, ssisting issues suh s: Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 0

3 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Definitions For the purposes of this Poliy the words or terms tht pper in old will e interpreted s follows: Cirumstne will men ny irumstne or stte of ffirs or event whih might resonly e expeted to give rise to lim ginst You or lim y You under the Poliy. Computer system will men ny omputer, dt proessing equipment, medi or prt thereof, or system of dt storge nd retrievl, or ommunitions system, network, protool or prt thereof, or ny omputer softwre (inluding ut not limited to pplition softwre, operting systems, runtime environments or ompilers), firmwre or miroode, or ny eletroni douments utilised in the ownership, seurity nd mngement of Your eletroni ommunitions system, world-wide we site, internet site, intrnet site, extrnet site or we ddress(es). Defene osts nd expenses ll osts nd expenses inurred, with Our prior onsent, in the investigtion, defene nd settlement of ny lim first mde ginst You or of ny Cirumstne first notified during the Period of insurne. Douments will men digitised dt, informtion reorded or stored in formt for use with omputer, miroode, deeds, wills, greements, mps, plns, reords, written or printed ooks, letters, ertifites, written or printed douments or forms of ny nture whtsoever (exluding ny erer onds or oupons, nk or urreny notes, shre ertifites, stmps or other negotile pper). Employee is: d e ny person employed y You under ontrt of servie, trining or pprentieship; nd ny voluntry worker; nd ny loum, sesonl or temporry personnel; nd ny self-employed person, who is not n independent ontrtor; nd ny person supplied or remunerted through ontrt hire ompny or geny, who is not n independent ontrtor ut is employed y the ontrt hire ompny on supply only sis, working s memer of Your stff; ut only if suh person is working under Your diretion, ontrol nd supervision. Exess is the first mount pid in respet of eh lim s stted in the Shedule. The Exess is not pyle in respet of Defene osts nd expenses. Finnilly ssoited person or entity will men: d ny usiness ontrolled or mnged y You or in whih You hve n exeutive interest; ny ompny in whih You diretly or indiretly own or ontrol more thn 15% of the issued shre pitl; ny person hving n exeutive or mngeril role in Your firm or who would e onsidered to e shdow diretor (s defined in s.251 of the Insolveny At 1986); ny ompny tht diretly or indiretly owns or ontrols ny of the issued shre pitl of Your firm or ny of whose issued shre pitl is diretly or indiretly owned or ontrolled y ny other ompny or person who diretly or indiretly owns or ontrols ny of the issued shre pitl. Indemnity limit will men Our totl liility to py dmges, limnt s osts, fees nd expenses nd will not exeed the sum(s) stted in the Shedule in respet of ny one lim or series of lims rising out of one originting use regrdless of the numer of persons liming n indemnity from Us under the terms of this Poliy. Period of insurne is tht s stted in the Shedule. Personl ppointment is ny individul ppointment of professionl nture rising out of Your ordinry professionl tivities other thn ny ppointment s diretor or offier of ompny or s trustee. Professionl usiness is the usiness of Yours s stted in the Shedule inluding the holding of ny Personl ppointment. Proposl will men the online Client Detil Sttement of Ft nd ny online renewl delrtion signed y You together with ny other informtion supplied y You to Us efore ineption or renewl of this Poliy. Virus will men ny unuthorised exeutle ode tht replites itself through Computer system or network whether termed virus, logi om, worm, Trojn Horse or known y ny other nme. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 1

4 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] We / Us / Our U K Insurne Limited nd/or suh other uthorised insurer U K Insurne Limited my ontrt to underwrite ny prt of this Poliy. You / Your / Yours is ny person or firm stted in the Shedule nd inludes ny urrent or previous prtner, diretor, prinipl, memer or Employee of ny firm or ompny stted in the Shedule nd ny other person who eomes prtner, diretor, prinipl, memer or Employee of the firm. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 2

5 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Bsis of the ontrt The Proposl will e the sis of nd inorported in this ontrt. INSURING CLAUSES In onsidertion of the premium hving een pid to Us, You re indemnified s follows: 1 2 Indemnity Up to the Indemnity limit for lims first mde ginst You during the Period of insurne for whih You re leglly lile to py dmges (inluding limnt s osts nd expenses) nd rising out of the ordinry ourse of the Professionl usiness, in onsequene of: d e f g reh of professionl duty; dishonest, frudulent or mliious t or omission of ny former or present Employee (whih term, for the purpose of this luse lone, will not inlude ny prinipl, prtner, memer or diretor of Yours) provided tht no indemnity will e given under this Poliy in the event tht ny prinipl, prtner, memer or diretor of Yours onspired to ommit or ondoned ny suh dishonest, frudulent or mliious t or omission; liel or slnder; unintentionl reh of onfidentility; unintentionl infringement of intelletul property rights; the loss of or dmge to Douments; ny other ivil liility. Costs for proseuting infringement of Your intelletul property rights Up to mximum of 25,000 in the ggregte in the Period of insurne, for lims first mde y You during the Period of insurne for resonle nd neessry osts nd expenses inurred with Our prior onsent in proseuting ny lim for infringement of intelletul property rights first disovered during the Period of insurne where the ownership of suh rights is vested in You. For the purposes of this Insuring Cluse We will only give prior onsent where You hve provided, t Your own expense, n opinion from soliitor, rrister or suitly qulified intelletul property gent evidening the existene of Your intelletul property rights, the infringement of those rights, mesurle loss nd resonle prospet of suess Costs for representtion All legl osts inurred with Our prior onsent for representtion t ny inquiry or other proeeding whih hs, in Our sole opinion, diret relevne to ny lim, Cirumstne or event whih ould form the sujet of indemnity under this Poliy. Costs of riminl proeedings Up to mximum of 250,000 in the ggregte in the Period of insurne, in respet of legl osts nd expenses inurred with Our prior onsent in the defene of ny proeedings rought under the previling listed uilding, uilding regultion or helth nd sfety legisltion nd ny pplile orders or regultions mde pursunt to tht legisltion or ny pplile odes of prtie or proedures issued y ny governing ody onerned with helth nd sfety provided lwys tht: the t, error or omission giving rise to the proeedings will hve een ommitted y You in the ordinry ourse of the Professionl usiness; We will e entitled to ppoint soliitors nd ounsel to t on Your ehlf; We will hve no liility to py osts inurred susequent to ple or finding of guilt on Your prt,or in the event tht ounsel should dvise tht there re no resonle prospets of suessfully defending the proeedings, exept for osts inurred solely for the purpose of mking ple in mitigtion efore sentening or osts inurred in mking n ppel if ounsel will dvise tht the prospets of suessful ppel following finding of guilt re resonle; for the purposes of this Insuring Cluse only the mount of the Exess will e 1,000. Defene osts nd expenses In respet of Insuring Cluse 1, We will py in ddition to the Indemnity limit ll Defene osts nd expenses provided tht: if pid lim exeeds the Indemnity limit, We will only e lile for tht proportion of the Defene osts nd expenses whih the Indemnity limit ers to the mount of the pid lim; in the event tht We elet to mke pyment to You pursunt to Notifition nd Clims Condition 2.2 then We will hve no liility to py Defene osts nd expenses inurred fter the dte upon whih suh pyment is mde. Dt protetion defene osts Up to mximum of 250,000 in the ggregte in the Period of insurne, in respet of legl osts nd expenses inurred with Our prior onsent in the defene of ny riminl proeedings rought under The Dt Protetion At or similr legisltion provided lwys tht: Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 3

6 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] the t, error or omission giving rise to the proeedings will hve een ommitted y You in the ordinry ourse of the Professionl usiness; We will e entitled to ppoint soliitors nd ounsel to t on Your ehlf ; We will hve no liility to py osts inurred susequent to ple or finding of guilt on Your prt,or in the event tht ounsel should dvise tht there re no resonle prospets of suessfully defending the proeedings, exept for osts inurred solely for the purpose of mking ple in mitigtion efore sentening or osts inurred in mking n ppel if ounsel will dvise tht the prospets of suessful ppel following finding of guilt re resonle. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 4

7 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Exlusions These Exlusions set out wht is not overed under this Poliy. We will not e lile to indemnify You ginst ny lim: Employers liility rising diretly or indiretly from odily injury, sikness, disese, psyhologil injury, emotionl distress, nervous shok or deth sustined y ny Employee rising out of or in the ourse of their employment y You, or for ny reh of ny oligtion owed y You s n employer to ny prtner, prinipl, diretor, memer or Employee or pplint for employment; Bodily injury/property dmge for odily injury, sikness, disese, psyhologil injury, emotionl distress, nervous shok or deth sustined y ny person or ny loss, dmge or destrution of property unless suh lim emntes from negligent dvie, design, speifition, formul or other reh of professionl duty y You; Lnd uildings et rising diretly or indiretly from the ownership, possession or use y You or on Your ehlf of ny lnd, uildings, irrft, wterrft, vessel or mehnilly propelled vehile; Dishonesty rising diretly or indiretly from ny dishonest, frudulent, mliious or illegl t or omission ommitted or ondoned y ny prtner, prinipl, memer or diretor of Yours or ny Employee, exept s overed y Insuring Cluse 1; Contrtul liility rising diretly or indiretly from ny reh or lleged reh of ny ontrtul duty or duty of re owed or lleged to hve een owed y You to ny third prty nd whih is more onerous thn ny duty tht would otherwise e implied y ommon lw or sttute sve for ny liility rising out of the ordinry ourse of the Professionl usiness in onsequene of or rising from entering into ny ollterl wrrnty, duty of re greement or ny similr greement, provided tht, in so doing, You do not mke yourself lile: to provide level of servie or produe result eyond the sope of ny duty tht would otherwise e implied y ommon lw or sttute; or uildings, uilding works or physil strutures onstruted, repired, instlled, ereted, removed or demolished; y You or ny relted ompny or su-ontrtor of Yours. Insolveny/nkrupty of You rising out of or relting diretly or indiretly to the insolveny or nkrupty of You; Seepge nd pollution sed upon, rising out of or relting diretly or indiretly to, in onsequene of or in ny wy involving seepge, pollution or ontmintion of ny kind; Cirumstnes known t ineption rising out of ny Cirumstne of whih You were, or ought resonly to hve een, wre t ineption of this Poliy, whether notified under ny other insurne or not; Other insurne in respet of whih You re entitled to indemnity under ny other insurne exept in respet of ny exess eyond the mount whih is pyle under suh other insurne; Geogrphil limits in respet of work rried out outside the Geogrphil Limits stted in the Shedule; Legl tion in respet of n tion for dmges: rought outside the Jurisdition stted in the Shedule (the Jurisdition )(inluding the enforement within the Jurisdition of judgment or finding of nother ourt or triunl tht is not within the Jurisdition); in whih it is ontended tht the governing lw is outside the Jurisdition; rought outside the Jurisdition to enfore judgment or finding of ourt or other triunl in ny other jurisdition. Where no Jurisdition is speified in the Shedule then the Jurisdition will e Worldwide ut exluding: 1. the United Sttes of Ameri, its territories nd/or possessions; or 2. Cnd; to ny greter extent or for ny longer period thn is the se under the greement with the person or prty with whom You originlly ontrted to perform the sme work; or under ny finnil gurntee, for ny ontrtul penlty or for liquidted dmges; 13 Fines nd penlties for penlties, fines, multiple, exemplry, liquidted or other non-ompenstory dmges wrded other thn in tions rought for defmtion s fr s they re overed y this Poliy; 6 Produts rising out of or relting to: goods or produts sold, supplied, repired, ltered, mnuftured, instlled or mintined; or Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 5

8 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Clims y finnilly ssoited persons or entities mde upon You y ny Finnilly ssoited person or entity whether lone or jointly with ny other person or entity. However, this exlusion will not pply to ny lim rought ginst suh Finnilly ssoited person or entity y n independent third prty nd whih would, ut for this exlusion, e overed y this Poliy; Retrotive dte mde y or ginst You rising from ny t or omission tht ourred prior to the Retrotive dte stted in the Shedule; Other ppointments mde ginst You in the pity of: diretor or offier of You or ny other ompny or rising out of the mngement of You or ny other ompny; or trustee of ny trust, offier or employee of ny pension fund or ny other employee enefit sheme, whether for the enefit of memers or employees of You or otherwise; Trding losses rising out of: Rdiotive ontmintion or explosive nuler ssemlies diretly or indiretly used y or ontriuted to y or rising from: ionising rdition or ontmintion y rdiotivity from ny nuler fuel or from ny nuler wste from the omustion of nuler fuel; or the rdiotive, toxi, explosive or other hzrdous properties of ny explosive nuler ssemly or nuler omponent thereof; Exess for n mount less thn the Exess. The Exess will e deduted from eh nd every lim pid under this Poliy; Wr rising diretly or indiretly out of, hppening through or in onsequene of, wr, invsion, ts of foreign enemies, hostilities (whether wr e delred or not), ivil wr, reellion, revolution, insurretion, militry or usurped power or onfistion or ntionlistion or requisition or destrution of or dmge to property y or under the order of ny government or puli or lol uthority; Terrorism rising diretly or indiretly out of, hppening through or in onsequene of ny t or ts of fore or violene for politil, religious or other ends direted towrds the overthrowing or influening of ny government, or for the purpose of putting the puli in fer y ny person or persons ting lone or on ehlf of or in onnetion with ny orgnistion. In the event of ny dispute s to whether or not this exlusion pplies You will hve the urden of proving tht this exlusion does not pply; Asestos rising diretly or indiretly out of or resulting from or in onsequene of or in ny wy involving sestos or ny mterils ontining sestos in whtever form or quntity ny trding loss or trding liility inurred y ny usiness mnged or rried on y You (inluding the loss of ny lient ount or usiness); the tul or lleged over-hrging or improper reeipt of fees y You; Virus rising diretly or indiretly from ny Virus; Ptents notwithstnding Insuring Cluse 1e, rising diretly or indiretly from the infringement of ny ptent; Projet prtnering rising out of or in respet of work rried out y ny projet prtnership of whih ll or ny of You form prt unless the lim or loss emntes from the ts or omissions of You; Joint ventures rising out of or in respet of work rried out y or in the nme of onsortium of professionl people or firms or other ssoition formed of whih ll or ny of You form prt for the purpose of undertking ny joint venture or ny other profit-shring rrngement unless the lim or loss emntes from the ts or omissions of You; Vlution reports rising from ny vlution report prepred y or on ehlf of You exept for the purpose of ertifying pyments due to ontrtors or mesuring quntities; Surveys rising from ny survey unless the survey ws rried out y memer of You who, t the time of the survey: hd not less thn one yer s experiene in undertking surveys of kind relted to the survey nd ws Registered Arhitet, Chrtered Engineer or memer of the Royl Institution of Chrtered Surveyors; or hd t lest five yers experiene in undertking surveys of kind relted to the survey; In the event of ny dispute s to whether or not this exlusion pplies You will hve the urden of proving tht this exlusion does not pply; Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 6

9 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Ating s ontrtor rising diretly or indiretly out of ny greement to provide onstrution or engineering works, or onsultny or design servies where these re provided s prt of n greement to provide onstrution or engineering works, whether suh works re provided y You or y ny Finnilly ssoited person or entity or y ny su-ontrtor of Yours; Finnil dvie rising diretly or indiretly from the provision y You of ny investment or finnil dvie or rrngements mde y or on Your ehlf in respet of ny finne, redit or lesing greement; Employee enefit shemes / stoks nd shres rising diretly or indiretly from the opertion or dministrtion of ny pension or other employee enefit sheme or trust fund, or the sle or purhse or deling in ny stoks, shres or seurities or the misuse of ny informtion relting to them or the reh of ny relted legisltion or regultion; Txtion, ompetition, restrint of trde rising diretly or indiretly from the reh of ny txtion, ompetition, restrint of trde or nti-trust legisltion or regultion; Offiil tion or investigtion rising from ny offiil tion or investigtion y or deision or order of ny puli, lol or government ody or uthority; Loss, dmge or destrution of erer onds or oupons rising from the loss, dmge or destrution of ny erer onds, oupons, nk or urreny notes, shre ertifites, stmps or other negotile pper; Delierte ts rising diretly or indiretly from ny delierte or rekless reh, t, omission or infringement ommitted, ondoned or ignored y You exept s overed under Insuring Cluse 1 s result of dishonest, frudulent or mliious t or omission of ny former or present Employee. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 7

10 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] SPECIAL NOTIFICATION CONDITIONS You will, s ondition preedent to Your right to indemnity under this Poliy, omply with the Speil Notifition Conditions elow, We will only e lile to indemnify You in respet of ny notifition(s) mde to Us during the Period of insurne. For the purposes of these Speil Notifition Conditions Adjudition notie will men ny djudition notie pursunt to ontrt (inluding Notie of Adjudition nd/or referrl notie pursunt to the Sheme For Constrution Contrts (Englnd & Wles) Regultions 1998 nd/or The Sheme for Constrution Contrts (Sotlnd) Regultions 1998) nd djudition nd djuditor will e onstrued in tht ontext: d not llow the djuditor to disregrd the legl entitlements of the prties in order to reh deision sed on ommeril or other onsidertions; not ple restritions upon the timing of the ommenement of legl or ritrtion proeedings (for the ske of lrity this does not pply to djudition proeedings). We will e entitled to pursue legl proeedings, ritrtion or other proeedings in the nme of nd on ehlf of You to hllenge, ppel, re-open or mend ny deision, diretion, wrd or exerise of ny power of the djuditor or to sty the enforement of ny suh deision, diretion, wrd or exerise of power. You will give ll suh ssistne s We my resonly require in reltion to suh proeedings or ritrtion. 1 You will give Us written notie within 2 working dys of: the reeipt of ny suh djudition notie; the reeipt of ny indition, whether in writing or otherwise, of n intention on the prt of ny prty to serve You with n djudition notie; eoming wre of irumstnes in whih the ommenement of n djudition involving You is likely. This notie must e given during the Period of insurne. d You must promptly supply Us with ll detils relting to ny referenes to djudition, inluding opies of ll doumenttion mde ville to You. 2 You must: d llow Us to ppoint dvisors nd to hve ondut of the djudition s we deem pproprite; o-operte with Us nd Our dvisors in the ondut of the djudition; meet ny request, diretion or timetle of the djuditor; not gree to ept the deision of the djuditor s finlly determining the dispute without Our prior written onsent. 3 The djudition provisions in the ontrt (if ny) or otherwise pplying to the ontrt must: provide tht the djuditor must e independent of the prties to the dispute; not llow for the djuditor s deision to finlly determine the dispute; Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 8

11 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] NOTIFICATION AND CLAIMS CONDITIONS 1 Clim/irumstne notifition As onditions preedent to Your right to e indemnified under this Poliy You: 1.1. will inform Us s soon s possile, nd in ny event within 28 dys (provided lwys tht suh notifition is reeived y Us efore the expiry of the Period of insurne) of the reeipt, wreness or disovery of: 2.2 We my t ny time in onnetion with ny lim mde, py to You the Indemnity limit (fter dedution of ny sums lredy pid) or ny lesser sum for whih, in Our sole opinion, the lim n e settled nd upon suh pyment eing mde We will relinquish the ondut nd ontrol of nd hve no further liility in onnetion with the lim. For the voidne of dout, We will hve no liility to py Defene osts nd expenses inurred fter the dte upon whih ny suh pyment is mde. d ny lim mde ginst You; ny notie of intention to mke lim ginst You; ny Cirumstne; the disovery of resonle use for suspiion of dishonesty or frud. Suh notie hving een given s required in, or d ove, ny susequent lim mde will e deemed to hve een mde during the Period of insurne; 1.2. will not, in the event of lim, or the disovery of informtion whih my give rise to lim, dmit liility for or settle ny lim, or inur ny osts or expenses in onnetion therewith, without Our prior written onsent; nd 1.3. will, s soon s prtile given the irumstnes, give ll suh informtion nd ssistne s We my require nd provide Your full o-opertion in the defene or settlement of ny suh lim. Every letter of lim, writ, summons or proess nd ll douments relting thereto nd ny other written notifition of lim will e forwrded, unnswered, to Us immeditely they re reeived. You will t ll times, in ddition to Your oligtions set out ove, fford suh informtion to nd o-operte with Us to llow Us to e le to omply with suh relevnt Prtie Diretions nd Pre-Ation Protools s my e issued nd pproved from time to time y the Hed of Civil Justie. 2 Condut of lims 2.1 Following notifition under ondition 1. ove We will e entitled t Our own expense to tke over nd within Our sole disretion to ondut in Your nme the defene nd settlement of ny suh lim. Nevertheless neither You nor Us will e required to ontest ny legl proeedings unless Queens Counsel (to e mutully greed upon y You nd Us) will dvise tht suh proeedings should e ontested. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 9

12 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] GENERAL CONDITIONS 1 Poliy onstrution nd disputes Any phrse or word in this Poliy nd the Shedule will e interpreted in ordne with the lws of Englnd nd Wles. The Poliy nd the Shedule will e red together s one ontrt nd ny word or expression to whih speifi mening hs een tthed in ny prt of this Poliy or the Shedule will er suh speifi mening wherever it my pper. Any dispute onerning the interprettion of the terms, Conditions or Exlusions ontined herein is understood nd greed y oth You nd Us to e sujet to the lws of Englnd nd Wles. Eh prty grees to sumit to the jurisdition of ny ourt of ompetent jurisdition within Englnd nd Wles nd to omply with ll requirements neessry to give suh ourt jurisdition. All mtters rising hereunder will e determined in ordne with the lw nd prtie of suh ourt Cnelltion This Poliy my e nelled y or on ehlf of Us y fourteen dys notie given in writing to You on the sis of Our reeiving or retining pyment of premium pro rt to the period tht We will hve een on risk. Invlidity If ny provision of this Poliy is found y ny ourt or dministrtive ody of ompetent jurisdition to e invlid or unenforele this will not ffet the other provisions of this Poliy whih will remin in full fore nd effet. Noties Notie will e deemed to e duly reeived in the ourse of post if sent y pre-pid letter post properly ddressed to: 2 3 Wiver of surogtion ginst employees We will not exerise ny right of surogtion ginst ny former or present Employee, unless We will hve mde pyment rought out or ontriuted to y ny t or omission of the Employee or former Employee whih ws dishonest, frudulent or mliious or the Employee or former Employee onspired to ommit or ondoned ny suh dishonest, frudulent or mliious t. Dishonest or frudulent t or omission In the event of loss or lim whih involves the dishonest, frudulent or mliious t or omission of ny former or present Employee You will tke ll resonle tion (inluding legl proeedings) to otin reimursement from the Employee onerned (nd from ny Employee who my hve onspired to ommit or hve ondoned suh t) or from the estte or legl representtives of suh Employee. Any monies whih ut for suh dishonest, frudulent or mliious t or omission would e due to suh Employee from You or ny monies held y You for suh Employee will e deduted from ny mount pyle under this Poliy. 9 in the se of You, to Your lst known ddress in the se of Us, to U K Insurne Limited nd/or suh other uthorised y Us s U K Insurne Limited my ontrt to underwrite ny prt of this Poliy. Non-dislosure Where We hve grounds to void this Poliy We my, t Our eletion nd provided tht You n estlish to Our stisftion tht ny untrue sttements, nondislosure or misrepresenttion of fts were free of ny frudulent ondut or intent to deeive, give notie in writing to You tht We regrd this Poliy to e in full fore nd effet sve tht no indemnity will e provided under this Poliy in respet of ny lim or loss tht rises from or is in ny wy relted to the irumstnes tht entitle Us to void this Poliy. This Poliy will then ontinue in full fore nd effet ut if suh untrue sttements, non-dislosure or misrepresenttion of fts onsist of or inlude filure to inform Us of ny loss, lim or Cirumstne of whih You were wre, suh loss, lim or Cirumstne will e exluded under this Poliy. 4 5 Frudulent lims If You will sumit ny lim knowing the sme to e flse or frudulent s regrds mount or otherwise this Poliy will eome void nd ll lims hereunder will e forfeited. Contrts (Rights of Third Prties) At 1999 You nd Us re the only prties to this ontrt nd no other person hs ny rights under the Contrts (Rights Of Third Prties) At 1999 to enfore ny term of this Poliy ut this does not ffet ny right or remedy of third prty whih exists or is ville prt from tht At. You will not ssign or trnsfer Your rights under the Poliy without Our written greement. 10 Resonle steps to void loss Without prejudie to the Notifition nd Clims Conditions in this Poliy, You will tke ll resonle steps to void or mitigte ny loss, dmge or liility tht my result in ny lim or Cirumstne notifile under this Poliy. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 10

13 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] 11 Sntions nd Emrgo We will not e deemed to provide over nd will not e lile to py ny lim or provide ny enefit hereunder to the extent tht the provision of suh over, pyment of suh lim or provision of suh enefit would expose Us to ny sntion, prohiition or restrition under United Ntions resolutions or the trde or eonomi sntions, lws or regultions of the Europen Union, Jpn, United Kingdom or United Sttes of Ameri. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 11

14 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Importnt Informtion Your right to nel If, fter uying your poliy, you deide tht the over does not meet your needs plese return ll your douments within 14 dys of reeiving them or of the strt dte of the poliy (whihever is lter) to Customer Reltions Tem t Diret Line for Business, PO Box 106, 37 Brod Street, Bristol BS99 7NQ nd we will refund ny premium you hve pid, providing tht you hve not mde ny lim. If you nel your poliy fter tht time we will refund ny premium pid for the remining period of insurne on pro rt sis, providing tht you hve not mde ny lim during the urrent period of insurne. How to mke lim Professionl Indemnity Clims re mnged in prtnership with HCC Interntionl To mke lim, emil How to omplin If you need to omplin, plese ll us on our priority numer / If your omplint is out lim plese ontt your lims hndler whose detils will e shown in your lims douments. If you wnt to omplin in writing, send your letter to one of the following: Detils of Finnil Servies Compenstion Sheme Under the Finnil Servies nd Mrkets At 2000, should the ompny e unle to meet ll its liilities to poliyholders, ompenstion my e ville. Insurne dvising nd rrnging is overed for 90% of the lim without ny upper limit. For ompulsory lsses of insurne, insurne dvising nd rrnging is overed for 100% of the lim, without ny upper limit. Informtion n e otined on request, or y visiting the Finnil Servies Compenstion Sheme wesite Automti Renewls We my utomtilly renew your poliy on the renewl dte. If we pln to utomtilly renew your poliy, we will let you know we re plnning to do this efore your over ends together with sending you detils of the renewl premium. If you do not wnt to renew this poliy, you should let us know efore the renewl dte. English Lnguge We hve supplied this Agreement nd other informtion to you in English nd we will ontinue to ommunite with you in English. Sttement of Needs We hve not given you personl reommendtion s to whether this poliy is suitle for your speifi needs For omplints out lims, the Tehnil Opertions Mnger t the ddress shown in your lims douments For other omplints, the Customer Reltions Tem t Diret Line for Business, Churhill Court, Westmorelnd Rod, Bromley BR1 1DP. If we nnot settle the mtter with you, you my refer your omplint to the Finnil Omudsmn Servie (FOS). Their ddress is: Exhnge Tower, London E14 9SR phone numer or Detils out our Regultor U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority under registrtion numer The Finnil Condut Authority wesite, whih inludes register of ll regulted firms, n e visited t or the Finnil Condut Authority n e ontted on Whoever you re ontting, plese lwys quote your Poliy Numer s it will help your enquiry or omplint e delt with promptly. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 12

15 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Diret Line For Business Privy Notie At Diret Line we re wre of the trust you ple in us when you uy our produts nd our responsiility to protet your informtion. This notie desries who we re, why we need to ollet your informtion nd how we will use it. We will tell you who we shre your informtion with nd how we use it to improve the servie we provide to our ustomers. 1 Privy Why we need your informtion We need your informtion nd tht of others you nme on the poliy to give you quottions, nd mnge your insurne poliy, inluding underwriting nd lims hndling. Your informtion omprises of ll the detils we hold out you nd your trnstions nd inludes informtion we otin out you from third prties. We will only ollet the informtion we need so tht we n provide you with the servie you expet from us. How we will use your informtion nd who we will shre it with Diret Line insurne poliies re underwritten y U K Insurne Limited (UKI). When you give us your informtion, it will e used nd shred within the UKI owned rnds. We will do tht in order to provide you with the est possile produts nd servie experiene. For full list of our rnds plese visit Use the informtion we hold in our system out you nd tht of others nmed on the poliy (for exmple nmed drivers, joint poliy holders), Shre the informtion with genies tht rry out ertin tivities on our ehlf (for exmple mrketing genies or those who help us underwrite your poliy), Use nd shre your informtion with our pproved suppliers where this is resonly required to help del with your lim or let you enefit from our poliyholder servies, inluding with our redit hire providers nd legl dvisors, Dislose some of your informtion nd tht of others nmed on the poliy to other insurers third prty underwriters, reinsurers, redit referene, frud prevention, regultors nd lw enforement genies nd other ompnies tht provide servie to us or you. We do not dislose your informtion to nyone outside the Group exept where: We hve your permission, We re required or permitted to do so y lw, We my trnsfer rights nd oligtions under this greement. Where we trnsfer your informtion From time to time we my require servies from suppliers tht re sed worldwide nd your informtion will e shred with them for the purposes of providing tht servie. Where we engge these suppliers we mke sure tht they pply the sme levels of protetion, seurity nd onfidentility we pply. However, suh informtion my e essed y lw enforement genies nd other uthorities to prevent nd detet rime nd omply with legl oligtions. During the ourse of our delings with you we my need to use your informtion to: Assess finnil nd insurne risks, Prevent nd detet rime inluding nti-money lundering nd finnil sntions, To omply with our legl nd regultory oligtions, Develop our produts, servies, systems nd reltionships with you, Reord your preferenes in respet of produts nd servies, Reover ny det or if you hve ny outstnding det from previous delings with us we will only offer you poliy upon settlement of the full outstnding mount, Review our reords for signs of ny previous frudulent tivity whih my ffet our ility to offer you over. In rrying out the tions ove we my: Employers Liility Tring Offie (ELTO) We re lso required to supply Employers Liility insurne poliy detils to the Employers Liility Tring Offie (ELTO). These detils will e dded onto the Employers Liility Dtse (ELD), whih will e mnged y ELTO. This dtse will e essile y ny limnts, nd will ssist limnts who hve suffered n employment relted injury or disese rising out of their ourse of employment in the UK, to find the Insurer tht ws providing Employers Liility over during their relevnt period of employment nd lso to find the relevnt Employers Liility insurne poliies. Sensitive Informtion Some of the personl informtion we sk you for my e sensitive personl informtion, s defined y the Dt Protetion At 1998 (suh s informtion out helth or riminl onvitions). We will not use suh sensitive personl dt out you or others exept for the speifi purpose for whih you provide it nd to provide the servies desried in your poliy douments. Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 13

16 Professionl Indemnity Insurne Diret Line For Business - Professionl Insurne [AREN] Deling with other people It is our poliy to del with your spouse or prtner who lls us on your ehlf, provided they re nmed on the poliy. Plese tell us who they re when you tke out your poliy. If you would like someone else to del with your poliy on your ehlf on regulr sis plese let us know. In some exeptionl ses we my lso del with other people who ll on your ehlf, with your onsent. If t ny time you would prefer us to del only with you, plese let us know. Keeping you informed From time to time we my ontt you with speil offers or suggest produts whih my e of interest to you. If you would like not to reeive ny of these updtes you n sk us to stop t ny time. You n do tht y simply lling our ustomers servies deprtment or y writing to Dt Protetion Offier t UKI, Churhill Court, Westmorelnd Rod, Bromley BR1 1DP. From time to time we my need to hnge the wy we use your informtion. Where we elieve you my not resonly expet suh hnge we will write to you. When we do so, you will hve 60 dys to ojet to the hnge ut if we do not her from you within tht time you onsent to tht hnge. 2 Frud Prevention nd Anti-Money Lundering Plese tke time to red the following s it ontins importnt informtion relting to the detils you hve given or should give to us. You should show this notie to nyone whose dt hs een supplied to us in onnetion with your poliy. To prevent nd detet frud we my t ny time: Shre informtion with other orgnistions nd puli odies inluding the polie lthough we only do so in ompline with the Dt Protetion At Chek nd/or file detils with frud prevention genies nd dtses nd if we re given flse or inurte informtion nd we identify frud, we will reord this. We nd other orgnistions my lso use nd serh these genies nd dtses from the UK nd other ountries to: Help mke deisions out the provision nd dministrtion of insurne, redit nd relted servies for you nd memers of your household. Tre detors or enefiiries, reover det, prevent frud, nd to mnge your ounts or insurne poliies. Cheking pplitions for, nd mnging redit nd other filities nd reovering det. Cheking insurne proposls nd lims. Cheking detils of jo pplints nd employees. We, nd other orgnistions tht my ess nd use informtion reorded y frud prevention genies, my do so from other ountries. We n provide the nmes nd ddresses of the genies we use if you would like opy of your informtion held y them. Plese ontt: Dt Protetion Offier t UKI, Churhill Court, Westmorelnd Rod, Bromley BR1 1DP quoting your referene. The genies my hrge fee. Finnil Sntions We will use informtion out you nd tht of others nmed on poliy to ensure ompline with finnil sntions in effet in the UK nd interntionlly. This will inlude the heking of your informtion ginst the HM Tresury list of finnil sntions trgets s well s other pulilly ville sntions lists. Your informtion nd tht of others nmed on poliy my e shred with HM Tresury nd other interntionl regultors where pproprite. You my lso e ontted in order to provide further detils in order to ensure ompline with Finnil Sntions requirements. Credit Referene Agenies We rry out onsumer serh when ny pplition for insurne is sumitted to evlute insurne risks. This is done only using the dt tht is pulilly essile on your redit file (i.e. nkrupty, CCJ nd eletorl roll informtion). Informtion out ess to the puli prt of your redit file is utomtilly deleted fter 12 months nd in no wy ffets your ility to otin redit. You will hve een sked to gree to this when you first ontted us ut plese ensure tht you only provide us with sensitive informtion out other people with their onsent. Aess to your informtion You hve the right to see the informtion we hold out you. This is lled Sujet Aess Request. If you would like opy of your informtion, plese write to: Dt Aess Tem t UKI, Churhill Court, Westmorelnd Rod, Bromley BR1 1DP quoting your referene. A fee my e pyle. Chek your identity to prevent money lundering, unless you provide us with other stisftory proof of identity. Lw enforement genies my ess nd use this informtion. We nd other orgnistions my lso ess nd use this informtion to prevent frud nd money lundering, for exmple when: Diret Line insurne poliies re underwritten y U K Insurne Limited, Registered offie: The Whrf, Neville Street, Leeds LS1 4AZ. Registered in Englnd nd Wles No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority, registrtion numer Clls my e reorded. 14

17 essentil over for professionls Informtion Helpline: Our lines re open 8m-8pm Mondy to Fridy, 9m-5pm Sturdy nd 10m-4pm Sundy Buy online t diretlineforusiness.o.uk Diret Line shll lso e hppy to send you ny of our rohures, letters or sttements in Brille, lrge print or udio, upon request. Diret Line insurne poliies re underwritten y U K Insurne Limited. Registered offie: The Whrf, Neville Street Leeds LS1 4AZ. Registered in Englnd nd Wles, Compny No U K Insurne Limited is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority. Clls my e reorded. DL4B 0715 diret line for usiness

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