Professional Liability / Individual by Design
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- Emory Darcy Wilkinson
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1 Financial Lines THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY Professional Liability / Individual by Design 1
2 AIG Professional Liability We have successfully delivered Professional Liability to businesses for over 30 years, by consistently offering broad coverage and significant levels of capacity. We have the appetite, experience and commitment to provide a Professional Liability solution for the sole practitioner to the multi-national multi-disciplinary practice. Access Access to AIG could not be simpler, either through our London Office, eight regional offices or our Professional Liability Underwriting Centre based in Manchester. Underwriting Our success is based around sound underwriting principles. We have a broad portfolio of products designed for the specific needs of each profession, offering wide coverage and providing a Professional Liability solution for most professions. Furthermore, we recognise that each business is different and have developed solutions for each segment of the market meaning that we can offer a cost effective solution for any practice whether it be a small practice with less than 500,000 fees or the larger practice where bespoke coverage is required. Claims We have a proven track record of defending allegations against professionals. Our claims team are Professional Liability claims specialists and understand the value of a rapid response, the sensitivity of commercial relationships and the importance of mounting the strongest possible defence. In the event of a claim each insured will be allocated a specific claim handler who will assist in the management of the claim and will be supported by our Legal Panel, Loss Adjusters and Barristers who are proven experts in evaluating and defending claims in particular professional sectors. Furthermore, our pre-emptive claims helpline has proved highly successful in the early rebuttal of allegations and this service is available to all of our primary layer policyholders for free. Our policyholders benefit from access to our specialist panel of law firms: Kennedys LLP Mills & Reeve LLP Robin Simon LLP CMS Cameron McKenna LLP Bond Pearce LLP Partnership Please have a look through our range of products for professionals. As you can see we cover a wide range of professional sectors. We are particularly interested in clients with a positive attitude to risk management, and we would be delighted to talk to you about how we can help you develop your portfolio of professional clients. We look forward to developing a long term relationship with you and your clients. 2
3 Accountants We are a leading provider for UK accountants and have been committed to writing accountancy business for many years. We have developed our own wording which is fully compliant with the ICAEW Minimum Terms and Conditions. We will consider the majority of risks from sole practitioners to larger practices and will specifically target those firms which can demonstrate a positive approach to risk management. Fraud/Dishonesty Lost Documents Ombudsman Awards Outside Directorship Liability cover provided to the extent of defined accountancy activities Innocent Non-Disclosure Defence Costs covered in addition to Policy Limit Court Attendance Main Exclusions Financial Return age Options FSA Compliance Extension Partners Previous Business Extension Primary & Excess Layer For Primary: AIG Accountants Proposal Form, or suitable alternative AIG Accountants Risk Management Questionnaire if not on AIG Proposal Form Claims experience, including full details of all paid and outstanding matters Any risk with FSA Exposure (including Life & Pensions) will require AIG Financial Services Questionnaire or suitable alternative Any risk with Plc audit exposure will require AIG Audit Questionnaire For Excess Layers Details of primary insurer & terms applied Underlying wording 3
4 Architects Our underwriting approach is geared towards targeting those practices which can demonstrate a sound business model and a positive approach to risk management. We will consider all UK or Eire domiciled risks, from SME to the larger practice, on a primary basis. Fraud and Dishonesty Innocent Non-Disclosure Defence Costs covered in addition to Policy Kennedys collateral warranty review service Court Attendance Estate Agents and Health & Safety Legislation including The Construction (Design and Management) Regulations 1994 Lost Documents up to 100,000 Specialist Designers & Sub-Contractors Extension Sudden & Accidental Pollution (sub-limit 1,000,000) Asbestos (sub-limit 250,000) Joint Ventures Auto Acquisitions age Options RICS Compliance Clause Partners Previous Business Extension Primary & Excess Layer AIG Architects Proposal Form or suitable alternative Claims experience, including full details of all paid and outstanding matters 4
5 Bailiffs and Private Investigators We have developed a product specifically for the needs of bailiffs and private investigators with coverage extended to provide protection in respect of property conversion, breach of warranty of authority and trespass. We will target and provide significant levels of capacity for all bailiffs, debt collection agencies and private investigators. Fraud and Dishonesty Unintentional Infringement of Intellectual Property Rights Defence Costs covered in addition to Policy Lost Documents up to 100,000 Court Attendance Main Exclusions age Options Primary & Excess Layer For Primary: AIG Bailiffs Proposal form or acceptable alternative Claims experience, including full details of all paid and outstanding matters For Excess Layers: Details of primary insurer & terms applied Underlying wording 5
6 Construction (Design & Construct) We will consider all UK or Eire domiciled construction companies which require Professional Liability coverage to fulfil contractual obligations whether they subcontract or retain responsibility for supervision and design in-house. Breach of Duty of Care including: - Negligent Act - Negligent Error - Negligent Omission - Misstatement - Misleading Statement - Breach of Confidentiality Unintentional Infringement of Intellectual Property Rights Fraud and Dishonesty Defence Costs covered inclusive of Policy Retention applicable to Defence Costs Kennedys collateral warranty review service Court Attendance Estate Agents and Health & Safety Legislation including The Construction (Design and Management) Regulations 1994 Lost Documents up to 100,000 Specialist Designers Sudden & Accidental Pollution (sub-limit 1,000,000) Asbestos (sub-limit 250,000) Duty to warn Joint Ventures Fitness for Purpose Auto Acquisition age Options RICS Compliance Clause Primary & Excess Layer AIG Construction Proposal form, or suitable alternative Claims experience, including full details of all paid and outstanding matters 6
7 Employment Agents We are a leading provider of Professional Liability coverage for employment agents. Not only have we developed a specific wording for employment agents, but our bespoke innovative underwriting approach enables us to provide a cost effective solution including positive vicarious liability coverage for temporary or permanent staff placed. Unintentional Infringement of Intellectual Property Rights Fraud and Dishonesty Defence costs in addition to Policy Limit Lost Documents up to 100,000 Court Attendance Primary and Excess Layer For Primary: AIG Employment Agents Proposal Form or suitable alternative proposal form Claims experience, including full details of all paid and outstanding matters If Vicarious Liability extension is required, AIG Employment Agents Supplementary Questionnaire required For excess layers: Details of primary insurer & terms applied Underlying wording age Options Vicarious Liability Extension 7
8 Engineering We do not participate on any market line slip and are a truly independent solution for brokers to consider for this class of business. We will consider all forms of engineer from civil to heating & ventilation. Our target market are engineers domiciled in the UK or Eire on a primary basis. Fraud and Dishonesty Innocent Non-Disclosure Defence Costs covered in addition to Policy Kennedys collateral warranty review service Compensation for Court Attendance Estate Agents and Health & Safety Legislation including The Construction (Design and Management) Regulations 1994 Lost Documents Specialist Designers & Sub-Contractors Extension Sudden & Accidental Pollution (sub-limit 1,000,000) Asbestos (sub-limit 250,000) Joint Ventures Auto Acquisition age Options RICS Compliance Clause Pollution Collateral Warranty Extension Partners Previous Business Extension Primary and Excess Layer 10,000,000 capacity AIG Engineers Proposal Form or suitable alternative Claims experience, including full details of all paid and outstanding matters 8
9 Management Consultants We have developed a broad form of coverage and a cost effective solution for all types of management consultant. Management Consultants are a target portfolio which we are keen to develop and are able to entertain requests for significant levels of capacity for any individual risk regardless of size. Fraud and Dishonesty Unintentional Infringement of Intellectual Property Defence Costs in Addition to Policy Court Attendance Lost Documents - up to 100,000 age Options Primary and excess Layer For Primary: AIG Proposal form or suitable alternative Claims experience, including full details of all paid and outstanding matters For excess layers: Details of primary insurer & terms applied Underlying wording 9
10 Media We understand the media market segment and provide Professional Liability solutions for a broad range of media companies from public relations consultants to direct marketing. We have developed a specific media product which in addition to a broad basis of coverage automatically provides mitigation of loss protection. Fraud and Dishonesty Unintentional Infringement of Intellectual Property Rights Defence Costs in addition to Policy Compensation for Court Attendance Lost Documents up to 100,000 Main Exclusions Patents & Trade Secrets Over-Redemption age Options Primary and Excess Layer For Primary: AIG Media Proposal Form or suitable alternative Claims experience, including full details of all paid and outstanding matters For Excess Layers: Details of primary insurer & terms applied Underlying wording 10
11 Not-For-Profit organisations Many Not-For-Profit organisations provide advice and services. This module enables the proposer to purchase full PI cover should they wish to, subject to our normal underwriting parameters. Claims made Civil liability wording Unintentional infringement of intellectual property rights Dishonesty of employees Court attendance Bodily Injury or property damage arising from actual or alleged failure to achieve the legally required standard of care and skill in performing the professional services Principal Exclusions Government/regulatory action Intentional acts Patent/trade secret Performance guarantees/express warranties USA/Canada Bodily Injury and property damage unless arising from professional negligence (please see the section). Underwriting capacity We can provide maximum limits up to 15 million for this Not-for-Profit product. 11
12 Solicitors (England and Wales) For some years we have been among the market leaders in the provision of Solicitors Professional Liability coverage. Our core market is those risks with more than four partners which can demonstrate a positive approach to risk management. Our success is not purely based on our ability to consistently offer a cost effective solution but our desire to develop relationships and our claims handling ability. Complies with Law Society s minimum insurance cover requirements Defence Costs in Addition to Policy Primary up to 3,000,000 Excess Layer up to 15,000,000 For Primary: AIG Solicitors Proposal Form or suitable alternative AIG Solicitors Risk Management Questionnaire if not an AIG Proposal Form Open Market Claims Experience including full details of all paid and outstanding matters Insured Report and Accounts For excess layers: Details of primary insurer & terms applied Underlying wording 12
13 Specified Professions Specified Professions encompasses such a vast number of professions that it is impossible to list all of the possibilities. We will consider all risks, no matter what their size is, from auctioneer to translator. Our breadth of underwriting expertise means that we have the ability to find a Professional Liability solution no matter what the activities of your client are. or Aggregate considered Fraud and Dishonesty Unintentional Infringement of Intellectual Property Rights Defence costs may be in addition to, or inclusive of, the Policy Retention applicable or not applicable to Defence Costs Lost Documents - cover up to 100,000 Court Attendance age Options Primary and Excess Layer For Primary: Satisfactory AIG Proposal form or suitable alternative Contract conditions Start up operations or practices established less than 3 years: CV of partners, business plan and details of past claims experience of partners Claims experience, including full details of all paid and outstanding matters For excess layers: Details of primary insurer & terms applied Underlying wording 13
14 TechGuard TechGuard allows brokers to combine their IT clients professional, employers and public / products liability needs into a single insurance product. These covers are supported by additional covers and services that broaden protection and help a wide variety of technology-based companies better control their operational risks. Professional Liability Claims made Unintentional Infringement of Intellectual Property Rights Dishonesty of Employees Technology Product Advice Defence Costs in Addition to the Policy Limit Compensation for Court Appearance Data Rectification (1st party) up to 100,000 Employers Liability Defence costs - 10m aggregate in addition to limit of indemnity Transfer of Undertakings (Protection of Employment) Regulations (TUPE) given as standard Wide definition of employee Medical and Vocational Rehabilitation at no extra premium cost Health and Safety loss control 24 hour/365 day claims Reportline facility Serious Accident Response Service Public / Product Liability 5m aggregate defence costs in respect to Corporate Wide cover as standard, including Legionella Manslaughter in addition to the limit of indemnity Main Exclusions All sections Product recall and repair Patent and trade secrets USA/Canada jurisdiction (Available as a cover option) Professional Liability Mechanical breakdown of hardware Misdeeds Anti-trust Public and Products Liability Motor Professional Liability Employers Liability Offshore activity (for Primary) AIG Technology Proposal Form or suitable alternative Full details of the nature and end use of the software Primary Professional Liability Up to 15m Employers Liability Up to 70m Public/products Liability Up to 70m 14
15 Technology We were one of the first Professional Liability providers to develop a specific product for the Technology sector. We have traditionally targeted what would be considered as the larger firm, however, we have developed solutions for smaller risks, including sole practitioners. Our experience and track record affords us with significant understanding and provides a comfort factor for Technology and Telecommunications businesses. We have the ability to use significant levels of capacity on any single risk. Unintentional Infringement of Intellectual Property Rights Dishonesty of Employees Technology Product Advice Defence Costs in addition to the Policy Limit Compensation for Court Attendance Loss of Computer Records up to 100,000 Main Exclusions Manufacturing Patent & Trade Secrets age Options Primary and Excess Layer For Primary: AIG Technology Proposal Form or suitable alternative Full details of the nature and end use of the software Contract Conditions or confirmation that all contracts include a limitation of liability clause, force majeure clause and exclude all direct & indirect economic & consequential loss For excess layers: Details of primary insurer & terms applied Underlying wording 15
16 BELFAST Enterprise House 55/59 Adelaide Street Belfast BT2 8FE Tel: Fax: BIRMINGHAM Embassy House 60 Church Street Birmingham B3 2DJ Tel: Fax: CROYDON 2-8 Altyre Road Croydon Surrey CR9 2LG Tel: Fax: GLASGOW 4th Floor 69 Wellington Street Glasgow G2 6HJ Tel: Fax: LEEDS Yorkshire House Greek Street Leeds LS1 5SX Tel: Fax: LONDON 58 Fenchurch Street London EC3M 4AB Tel: Fax: MANCHESTER 4th Floor, 201 Deansgate Manchester M3 3NW Tel: Fax: American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. In Europe, the principal insurance provider is AIG Europe Limited. This material is for information purposes. Not all products and services are available in every jurisdiction, and insurance coverage is governed by the actual terms and conditions of insurance set out in the policy or in the insurance contract. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. For additional information, please visit our website at AIG Europe Limited is registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number ). This information can be checked by visiting the FS Register ( UC FLS PI NOV14
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