PROFESSIONAL INDEMNITY INSURANCE
|
|
- Morgan Green
- 8 years ago
- Views:
Transcription
1 ESSENTIAL BUSINESS INSURANCE COVER POLICY RISK FACT
2 introducing FirstUnited FirstUnited is a leading insurance intermediary group operating in Malta and under Freedom of Services throughout the EU. We are one of the largest insurance brokers in Malta and have a clear approach to business which is based around trust, personal service and integrity. We believe that our experience, dedication and attitude to service are the most valuable assets we offer. We have a highly experienced and dedicated team of 40 insurance specialists that are committed to protecting and serving you. We pride ourselves that no matter how large or small your business is, we will work relentlessly to ensure you receive the highest levels of product and service excellence. We understand that fast service and efficient claims handling is essential to help give you the peace of mind to focus on your business. We offer a respected team of insurance professionals with many years of experience who aim to make the claims service we provide a key differentiator for choosing to work with us. We are confident that our industry knowledge of the local and international insurance markets can help you identify and conclude the most appropriate insurance solution for you and your business. contents 01. INTRODUCTION 02. PROFESSIONAL INDEMNITY INSURANCE 03. SIGNIFICANT FEATURES & BENEFITS 04. SIGNIFICANT EXCLUSIONS & LIMITATIONS 05. COMPLAINTS PROCEDURE Should you need further details or have any questions we will be delighted to help you. For customer service information contact us on or insure@firstunited.com.mt 01
3 professional indemnity insurance Professionals may owe a duty of care to anybody who might reasonably rely upon the service or advice they have provided. In today s commercial world, clients expect high standards of service and are more inclined to resort to litigation when such standards have not been met. Professional Indemnity insurance covers your legal liability arising from your professional services in the event that a third party claims to have suffered a loss as a result of your professional negligence. Professional Indemnity insurance is designed to provide protection against such claims, providing an indemnity for damages which are awarded against your business, for legal costs in defending the claim and for costs that may be awarded against you should your defence prove unsuccessful. Any business or person who provides services such as advice, design, or offers their skills or knowledge in a professional capacity should consider Professional Indemnity insurance. In addition, some professions are required to hold Professional Indemnity insurance as a legal requirement or as a result of their professional authorisation. This includes investment services providers, financial advisers, insurance brokers, engineers and notaries. IMPORTANT: This document is only a summary of cover and does not contain the full terms and conditions of the contract of insurance. The full terms and conditions of cover can be found in the policy document. 02
4 significant features & benefits PROFESSIONAL INDEMNITY INSURANCE: Provides indemnity for losses arising from civil liability (including liability for claimant s costs and expenses incurred) arising in connection with your professional services including: breach of professional duty infringement of copyright or intellectual property rights breach of confidentiality defamation and other types of civil liability, unless specifically excluded. INSURED PERSON: Cover extends to include you, past and present partners (or members of limited liability partnerships), directors, employees and their personal representatives in the event of death, incapacity, insolvency or bankruptcy. FRAUD AND DISHONESTY: Covers liability of your business to any third party resulting from fraudulent or dishonest conduct of any employee unless condoned by a partner or director. LOST DOCUMENTS: Covers costs of replacing or restoring documents lost or damaged in transit or in your custody or control. COURT ATTENDANCE: Cover if attending court as a witness by any principal, partner, member, director or employee when defending a claim. MITIGATION: Covers costs incurred in remediating or mitigating a loss or potential loss that may otherwise result in a claim subject to specific requirements. SPECIALIST CONTRACTORS: Covers claims resulting from any wrongful act of your specialist consultants, designers or subcontractors engaged in the performance of your professional services. Cover applies provided that you have not waived or otherwise impaired any rights of recourse against such persons. JOINT VENTURES: Covers you against liability arising out of your professional services in respect of any joint venture, provided that you have previously declared to us all fees/ turnover received from any joint venture subject to specific requirements. AUTOMATIC ACQUISITIONS: Extends cover during the period of insurance to include another entity where you obtain control of the composition of the board of directors or more than half of the voting power; or a holding of more than half of the issued share capital subject to specific requirements. DEFENCE COSTS: Covers defence costs incurred with insurers prior written consent. INNOCENT NON DISCLOSURE CONDITION: Insurers will not exercise their rights to avoid the insurance cover for innocent non-disclosure or innocent misrepresentation. HEALTH & SAFETY LEGISLATION: Insurers will pay reasonable costs and expenses incurred with their written consent for defence of any proceedings first brought against you under the health & safety legislation by any regulatory or similar body. 03
5 significant exclusions & limitations CLAIMS MADE WORDING: The insurance covers claims first made against you, and/or circumstances that may lead to a claim, notified to insurers during the period of insurance. Claims or circumstances which might give rise to a claim must be notified to insurers as soon as reasonably possible and during the period of insurance. LIMIT OF LIABILITY: The limit of liability is specified in the Schedule and applies on any one claim basis. Defence Costs are typically payable in addition to the Limit of Liability. RETENTION: The insurance will be subject to a retention, which is the amount you must contribute towards the settlement of a claim. PRINCIPAL COVER EXCLUSIONS: Bodily injury/ property damage unless arising from an actual or alleged failure to achieve the legally required standard of care, diligence and expertise in performing your professional services. Contractual Liability except to the extent such liability would have attached to you in the absence of such contractual duty, term or agreement. Failure to make an accurate preassessment of the cost of performing your professional services. Claims which should be insured under other types of insurance such as Directors and Officers Liability, Employers Liability and Third Party Liability policies. Software, mechanical or electrical failure or telecommunications or satellite systems failure outside your direct control. Insolvency, liquidation, administration or receivership of your business. Manufacturing defect in any product. Previous claims or circumstances. Prior Acts (unless Retroactive Cover is purchased). Trading debt incurred or guarantee given by you for a debt. Claims brought in the United States of America or Canada. War or Terrorism. 04
6 OUR COMPLAINTS PROCEDURE: We want to provide a first class service. If you have any cause for complaint you should, in the first instance, contact the person who arranged the cover for you, or the Office Manager. If you remain dissatisfied with the response, we will refer your complaint to our Compliance Manager for a separate review. They will notify you once they receive your complaint and will provide you with a final response when they have completed their inquiries. If we are unable to resolve your complaint to your satisfaction within 8 weeks, or if we have provided you with a final decision letter, you may be able to refer your complaint to the Malta Financial Services Authority. Following the Complaints Procedure does not affect your legal rights. HOW WE WILL USE YOUR DATA: FirstUnited holds data in accordance with the Data Protection Act. It may be necessary for us to pass data to other organisations that supply products and services associated with your contract of insurance. If you give us false or inaccurate information and we suspect fraud, we will record this and the information will be available to other organisations that have access to the database(s). FirstUnited Insurance Brokers Limited 25, Villa Eden Princess Elizabeth Street Ta Xbiex XBX 1103 Tel: insure@firstunited.com.mt FirstUnited Insurance Brokers is a member of the Malta Insurance Brokers Association FirstUnited Insurance Brokers Limited is authorised and regulated by the Malta Financial Services Authority and this can be checked by visiting the MFSA s web site at Our Company Registration Number is C designed to deliver
Professional Indemnity Select
Allianz Insurance plc Professional Indemnity Select Cover Overview Professional Indemnity Select Cover Overview Contents Thank you for choosing Allianz Insurance plc. We are one of the largest general
More informationProfessional Indemnity Select
Allianz Insurance plc Professional Indemnity Select Policy Overview Policy Overview Professional Indemnity Select Contents Thank you for choosing Allianz Insurance plc. We are one of the largest general
More informationComplete Professional Indemnity
Allianz Insurance plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Accountants Policy Summary This is a Policy Summary only and does not contain full terms and conditions
More informationComplete Professional Indemnity
Allianz Insurance plc plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Insurance Brokers Policy Summary This is a Policy Summary only and does not contain full terms
More informationProfessional Indemnity
Allianz Insurance Allianz Insurance plc plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Technology & Telecommunications Policy Summary This is a Policy Summary only
More informationComplete Professional Indemnity
Allianz Insurance plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Architects Policy Summary This is a Policy Summary only and does not contain full terms and conditions
More informationHow To Protect A Company From Liability
DIRECTORS & OFFICERS ESSENTIAL BUSINESS INSURANCE COVER POLICY RISK FACT introducing FirstUnited FirstUnited is a leading insurance intermediary group operating in Malta and under Freedom of Services throughout
More informationProfessional indemnity Summary of cover
Professional indemnity Summary of cover Architects & Engineers October 2014 Why choose AXA s Architects & Engineers Professional indemnity insurance? AXA s Architects & Engineers Professional indemnity
More informationPROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary
PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS Policy Summary 2 Professional Indemnity for Architects and Consulting Engineers Policy Summary PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING
More informationArchitects and Engineers Professional Liability Insurance Summary
Architects and Engineers Professional Liability Insurance Summary Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation
More informationSpecialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary
Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions Underwritten by a member of the QBE Insurance Group (QBE) This insurance
More informationPROFESSIONAL INDEMNITY. Policy summary
PROFESSIONAL INDEMNITY Policy summary 2 Professional Indemnity Policy Summary Professional Indemnity Policy Summary This policy is an annually renewable Professional Indemnity insurance, underwritten by
More informationConstruction Consultants Professional Liability Insurance Summary
Construction Consultants Professional Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal
More informationBusiness Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover
Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms
More informationCivil Liability Professional Indemnity Insurance Policy
Civil Liability Professional Indemnity Insurance Policy The insurer is AAI Limited ABN 48 005 297 807 AFSL 230859 trading as GIO. This product is distributed by Resilium Pty Ltd ABN 40 098 080 810 AFSL
More informationDesign and Construct Professional Liability Insurance Summary
Design and Construct Professional Liability Insurance Summary Design and Construct Professional Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated
More informationSurveyors Professional Liability Insurance Summary
Surveyors Professional Liability Surveyors Professional Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation
More informationHiscox Professional Indemnity Insurance for IT Consultants and Suppliers Policy Summary
Hiscox Professional Indemnity Insurance for IT Consultants and Suppliers What is a? This document provides key information about Hiscox Professional Indemnity (PI) Insurance for IT consultants and suppliers.
More informationHow To Get A Pension In The Uk
Table of Contents Introduction... 1 Page Definitions... 1 Act of Terrorism... 1 Claim... 1 Documents... 1 Excess... 1 Inquiring Body... 1 Inquiry Costs... 1 Insured... 2 Insured Costs... 2 Insurer... 2
More informationProfessional Indemnity Insurance Glossary of Terms
Professional Indemnity Insurance Glossary of Terms Index Aggregation of claims Automatic reinstatement Average provision Cancellation Civil liability Claim Claims made Consumer protection legislation Continuous
More informationSport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select
Allianz Insurance plc Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents
More informationMEDICAL MALPRACTICE. Policy Summary
MEDICAL MALPRACTICE Policy Summary 2 Medical Malpractice Policy Summary MEDICAL MALPRACTICE Policy Summary This policy is an annually renewable Professional Indemnity insurance, underwritten by Royal &
More informationCorporate Health Insurance
Corporate Health Insurance Protects You, Your Business and Your Employees your first choice for independent medical insurance cover and advice FirstUnited is a leading insurance intermediary group operating
More informationProfessional indemnity Summary of cover
Professional indemnity Summary of cover Accountants October 2014 Why choose AXA s Accountants Professional indemnity insurance? AXA s Accountants Professional indemnity insurance is available to UK-domiciled
More informationCivil Liability Professional Indemnity Insurance Policy
Civil Liability Professional Indemnity Insurance Policy The insurer is AAI Limited ABN 48 005 297 807 AFSL 230859 trading as GIO. This product is distributed by Resilium Pty Ltd ABN 40 098 080 810 AFSL
More informationProfessional indemnity section only Summary of cover
Business Insurance Professional indemnity section only Summary of cover About this document This document is a summary of the insurance and does not contain the full terms and conditions of your insurance.
More informationDIRECTORS & OFFICERS LIABILITY INSURANCE
DIRECTORS & OFFICERS LIABILITY INSURANCE WHAT D&O INSURANCE DOES: Protects the personal assets of a company s directors and officers from potential unlimited liability; Protects the company s assets; Provides
More informationINSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY.
INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. I. INSURING AGREEMENTS A. INSURANCE OPERATIONS COVERAGE. We will pay on behalf of the insured
More informationguide to insurance programmes
The Towergate Interim Manager guide to insurance programmes Interimwomen.com is a trading name of Russam GMS Ltd which is an Introducer Appointed Representative of Towergate Underwriting Group Limited.
More informationCyber and data Policy wording
Please read the schedule to see whether Breach costs, Cyber business interruption, Hacker damage, Cyber extortion, Privacy protection or Media liability are covered by this section. The General terms and
More informationLIABILITY. Professional Indemnity Insurance
LIABILITY Professional Indemnity Insurance Protecting your professional civil liability Professional Indemnity Insurance protects businesses and professionals against costs of legal action arising from
More informationThe Risk Being Accountable How Professionals can be Exposed How to Minimise the Risk
The Risk Being Accountable One thing is certain reputation damage caused by litigation can be devastating. Professional consulting businesses, and individuals providing specialist expertise, are under
More informationProfessional Indemnity Insurance Specialist Supplier Presentation
Bespoke Ready-Mix insurance Professional Indemnity Insurance Specialist Supplier Presentation EXCLUSIVE FOR MEMBERS OF THE SOUTHERN AFRICAN READY MIX ASSOCIATION ("SARMA") So what is a Professional Indemnity
More informationProfessional Indemnity Policy
Freelance Insure Professional Indemnity Policy Specially Provided By Underwritten By Certain Underwriters at Lloyds of London Professional Indemnity Insurance Policy Wording Whereas the Assured stated
More informationHow To Insure A Project In The Uk
Schedule 15A: Insurance Part 1 Required Insurances Sub-part 1 Design and Construction Phase The policies to be taken out by the Contractor, or caused to be taken out by the Major Sub-contractor, and maintained
More informationDirectors & Officers Liability Select
Allianz Insurance plc Directors & Officers Liability Select Cover Overview Contents Introduction 1 Significant Features and Benefits 2-3 Thank you for choosing Allianz Insurance plc. We are one of the
More informationDirectors & Officers Liability Select
Allianz Insurance plc Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents Introduction 1 Significant Features and Benefits 2
More informationT R U S T E E S L I A B I L I T Y
TRUSTEES LIABILITY PROTECT YOUR ASSETS AND YOUR HOME TRUSTEES' EXPOSURE There are many types of non-charitable trust heritage, family, trading, Maori, rest homes, hospitals, education services and the
More informationResidents Associations Directors & Officers Liability Select. Policy Overview
Allianz Insurance plc Residents Associations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents Introduction 1 Significant Features
More informationSpecialists at minimising risk exposure. Management Liability Insurance Policy Overview & Benefits
Specialists at minimising risk exposure Management Liability Insurance Policy Overview & Benefits Management Liability Insurance Policy Overview & Key Benefits Policy Overview It s possible your clients
More informationPROFESSIONAL INDEMNITY INSURANCE FOR DESIGN AND CONSTRUCT POLICY WORDING
PROFESSIONAL INDEMNITY INSURANCE FOR POLICY WORDING OUR PROMISE TO YOU In return for the premium you have paid, we agree to insure you in accordance with the terms and conditions of this policy. Signed
More informationCivil Liability Professional Indemnity Policy Wording - 06.12
Civil Liability Professional Indemnity Policy Wording - 06.12 Introduction This Policy is written on a claims made and notified basis, which means that, subject to Clause 3.2 Continuous Cover, it will
More informationMEDIATORS DECLARATION PEACEWISE MASTER POLICY
Marsh Pty Ltd ABN 86004651512 PO Box H176 AUSTRALIA SQUARE NSW 1215 PROFESSIONAL INDEMNITY INSURANCE MEDIATORS DECLARATION PEACEWISE MASTER POLICY Professional Indemnity Declaration for Mediators who have
More informationBusiness Insurance RICS - compliant professional indemnity section only Summary of cover
Business Insurance RICS - compliant professional indemnity section only Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms and
More informationLiberty International Underwriters. Errors & Omissions Liability Insurance Policy for Information Technology Projects
Liberty International Underwriters Errors & Omissions Liability Insurance Policy for Information Technology Projects Important Notice - Please note that this is a Claims Made policy. Accordingly, Liberty
More informationComplete Directors & Officers
Allianz Insurance plc Complete Directors & Officers Policy Summary Complete Directors & Officers Policy Summary Policy Summary This is a Policy Summary only and does not contain full terms and conditions
More informationCivil Liability Professional Indemnity Insurance. Table of Contents. Australian Mediation Association Members Master Policy. Page
Table of Contents Notices... 1 Introduction... 5 Definitions... 5 Act of Terrorism... 5 Adverse Publicity Event... 5 Claim... 5 Documents... 5 Excess... 5 Fidelity Claim... 5 Fidelity Excess... 5 Inquiring
More informationBusiness Insurance Professional indemnity section for RIBA &/or RIAS architects
Business Insurance Professional indemnity section for RIBA &/or RIAS architects Contents of this section Important information about this cover 1 Meaning of defined terms 2 What is covered 5 What is not
More informationComprehensive Liability
Comprehensive Liability Insurance Policies This Liability Cover package applies to Cycling New Zealand, Mountain Bike New Zealand, BMX New Zealand, New Zealand Schools Cycling Association and all other
More informationDotting the i s & Crossing the t s Professional Indemnity Insurance
Dotting the i s & Crossing the t s Professional Indemnity Insurance Michael Earp 26 th May 2009 Dotting the i s & Crossing the t s Professional Indemnity Insurance CONTENTS OF PRESENTATION What is Professional
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form for Miscellaneous Professional Liability Important tices to the Applicant Your Duty of Disclosure Before you enter into a contract of general insurance with
More informationQBE European Operations Professional liability
QBE European Operations Professional liability Disclosure of insurance details revisited QBE Professional Liability Disclosure of insurance details revisited/november 2013 1 Disclosure of insurance details
More informationReal Estate Errors & Omissions Indemnity Plan
B R I T I S H C O L U M B I A Real Estate Errors & Omissions Indemnity Plan No. RE0398 Issued by Real Estate Errors and Omissions Insurance Corporation (Herein called the Corporation ) Pursuant to the
More informationPRIORITY. Professional Indemnity Insurance Contract
PRIORITY Professional Indemnity Insurance Contract Between AC&E PI and Liability Underwriters (Pty) Ltd acting as underwriting managers on behalf of the New National Assurance Company Ltd and hereafter
More informationMedia Liability Insurance
Media Liability Insurance Media Liability Insurance A highly responsive solution to a fast moving media world. By its very nature, the media industry is fast moving, dynamic and constantly evolving. Development
More informationJANUARY 2014 PROTECTING YOUR FUTURE BROKERS AND ADVISORS / SPECIALISTS IN RISK MANAGEMENT / INCORPORATING APEX FUNDING LIMITED
Comprehensive Liability Insurance Policies This Liability Cover package applies to BikeNZ, Cycling New Zealand, Mountain Bike New Zealand, BMX New Zealand, New Zealand Schools Cycling Association and all
More informationProfessional Indemnity Insurance Policy - Optometrists Association Australia (OAA) Version 3.0
Version 3.0 Table of contents Table of contents 2 Special Notices 3 Policy wording 4 Introduction 4 How much we will pay 4 What we insure 4 1. Professional indemnity insurance cover 4 1.1 Practice of your
More informationBusiness Insurance Professional indemnity section for recruitment professionals
Business Insurance Professional indemnity section for recruitment professionals Contents of this section Important information about this cover 1 Meaning of defined terms 2 What is covered 4 What is not
More informationHow To Pay Out Of Pocket
PROFESSIONAL INDEMNITY INSURANCE POLICY ARCHAEOLOGISTS (This is a claims made Policy & only covers claims notified during the Period of Insurance) IN CONSIDERATION of the Insured named in the Schedule
More informationThompson Jenner LLP Last revised April 2013 Standard Terms of Business
The following standard terms of business apply to all engagements accepted by Thompson Jenner LLP. All work carried out is subject to these terms except where changes are expressly agreed in writing. 1
More informationE F F E C T I V E M A R C H 1, 2 0 0 9. Indemnity. Plan. Real Estate Errors and Omissions Insurance Corporation. British Columbia
E F F E C T I V E M A R C H 1, 2 0 0 9 Indemnity Plan N Ọ R E 0 3 0 9 Real Estate Errors and Omissions Insurance Corporation British Columbia I N T R O D U C T I O N Why You Need Professional Liability
More informationTERMS & CONDITIONS OF BUSINESS
TERMS & CONDITIONS OF BUSINESS 1. Introduction These terms and conditions explain the basis upon which we carry out work for you and charge for our services subject to any variations set out in our engagement
More informationProfessional Indemnity Insurance [Design and Construct 06/08] Nova Underwriting Pty Ltd ABN 42 127 786 823 / AFSL 324767
Professional Indemnity Insurance [Design and Construct 06/08] Nova Underwriting Pty Ltd ABN 42 127 786 823 / AFSL 324767 1.0 INSURING CLAUSES 1.1 We will cover You for any Claim, first made against You
More informationMISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below.
MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1. INSURING AGREEMENTS 1.1 Insuring Clause Whereas the company, partnership or firm as stated in Item 1 of the Schedule (the Named Insured
More informationIntellectual Property Litigation Insurance Proposal Form
PROPOSAL FORM Intellectual Property Litigation Insurance Proposal Form Important tice 1. This proposal must be completed in black ink by a partner, principal or director of the firm or company. All questions
More informationSport Recreation and Leisure Liability
Underwritten by Sport Recreation and Leisure Liability Policy Summary Arranged by 2 Sport Recreation and Leisure Liability Policy Summary Sport Recreation and Leisure Liability Policy Summary The information
More informationINTERNATIONAL INSURANCE SERVICES AND RISK MANAGEMENT
INTERNATIONAL INSURANCE SERVICES AND RISK MANAGEMENT Directors & Officers Liability D&O Insurance Service is our passion CONTENTS Legal framework of statutory and supervisory board members liability in
More informationMedical Malpractice Insurance Policy
Medical Malpractice Insurance Policy You only have cover under this policy if the schedule lists it as included. This policy should be read in conjunction with the schedule. Contents 1 Definitions... 2
More informationInsurance Coverage During the Economic Crisis. by Bianca R. Chapman and Marc Rosenthal
Insurance Coverage During the Economic Crisis by Bianca R. Chapman and Marc Rosenthal The current financial crisis has resulted in unprecedented market volatility, credit concerns, market losses and bankruptcies
More informationMEDICAL MALPRACTICE AND PUBLIC LIABILITY INSURANCE FOR PARAMEDICS
MEDICAL MALPRACTICE AND PUBLIC LIABILITY INSURANCE FOR PARAMEDICS INDEX 1 Page Nos. Page Nos. Introduction 3 4 Complaints Procedure & Claims 18 19 Reporting Who we are? 5 6 Financial Conduct Authority
More informationTXD Digital Marketing Web Hosting Terms
TXD Digital Marketing Web Hosting Terms Page 1 of 11 Revision 1.3 Web Hosting Terms Please read these Web Hosting Terms carefully, as they set out our and your legal rights and obligations in relation
More informationDirectors & Officers Liability Insurance. Presented by Caroline Yeo
Directors & Officers Liability Insurance Presented by Caroline Yeo The Structure of D&O Insurance Covered claim against directors and officers Covered securities claim against the company itself Indemnification?
More informationProfessional indemnity CIOT and ATT members proposal form
You must complete the general information section, the claims section and read and sign the declaration. General information You must complete this section. Company name Main address Please provide similar
More informationOur specialist insurance services for Professionals risks
Our specialist insurance services for Professionals risks Price Forbes & Partners is an independent Lloyd s broker based in the heart of London s insurance sector. We trade with all of the major international
More informationInformation & Communication Technology Liability
Information & Communication Technology Liability Table of Contents Professional Indemnity Insurance Policy 1 Important Information 1 Section 1 How to read this Insurance Policy 2 Section 2 The Insurance
More informationProfessional Indemnity Insurance Policy Document. Broker Wording 10/13
Professional Indemnity Insurance Policy Document Broker Wording 10/13 0 Contents Contents... 1 Introduction... 1 Data Protection policy... 2 Complaints Procedure... 2 Insuring Agreement... 3 Policy Extensions...
More informationwww.bonddickinson.com Cyber Risks October 2014 2
www.bonddickinson.com Cyber Risks October 2014 2 Why this emerging sector matters Justin Tivey Legal Director T: +44(0)845 415 8128 E: justin.tivey The government estimates that the current cost of cyber-crime
More informationProfessional Indemnity Policy. Architects. Policy Document.
Professional Indemnity Policy Architects Policy Document. General Information The General Information set out below is provided for your information only. It does not form part of the insurance contract
More informationMEDICAL MALPRACTICE COMBINED LIABILITY INSURANCE POLICY. Policy Wording. ProRisk Medical Malpractice Combined Liability Policy V02.
MEDICAL MALPRACTICE COMBINED LIABILITY INSURANCE POLICY Policy Wording ProRisk Medical Malpractice Combined Liability Policy V02.13 1 of 19 Table of Contents Page Important Information 3 Section 1: Insuring
More informationPolicy document. Employers Liability
Policy document Employers Liability Contents Employers Liability 4 The cover 5 Exclusions 8 Conditions 9 Complaints procedure 10 A warm welcome to Zurich Thank you for taking out your Employers Liability
More informationCOMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM
COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout
More informationManagement liability - Employment practices liability Policy wording
Special definitions for this section Benefits Claim Defence costs The General terms and conditions and the following terms and conditions all apply to this section. Any compensation awarded to an employee
More informationfreelanceinsure.co.uk Professional Indemnity Policy
freelanceinsure.co.uk Professional Indemnity Policy Specially Provided By Underwritten By This policy (and the schedule which forms an integral part of the policy) is a legal contract. Please examine it
More informationDUAL Asia Singapore PI Consultants Wording 11_12
DUAL Asia Singapore PI Consultants Wording 11_12 1 TABLE OF CONTENTS Section 1: INSURING CLAUSES... 3 Section 2: AUTOMATIC EXTENSIONS... 3 Section 3: OPTIONAL EXTENSIONS:... 6 Section 4: DEFINITIONS...
More informationZurich Steadfast Professional Indemnity. Policy Wording
Zurich Steadfast Professional Indemnity Policy Wording Important Statutory Notice Section 40 Insurance Contracts Act 1984 (Cth) This notice is provided in connection with but does not form part of the
More informationLicensed building practitioners (LBP)
LIABILITY Licensed building practitioners (LBP) Professional indemnity employee protection liability Lumley, a business division of IAG New Zealand Limited, Lumley Centre, 88 Shortland Street, PO Box 2426,
More informationCyber-Technology Policy Comparisons
Cyber-Technology Policy Comparisons ABA Insurance Internet/Electronic Banking Liability Insurance Policy (04/01) January, 2011 Endorsements Topic ACE Computer & Technology Products and Services Professional
More informationCivil Liability Professional Indemnity Insurance Policy
Civil Liability Professional Indemnity Insurance Policy ProRisk Civil Liability Professional Indemnity Insurance Policy V07.13 Page 1 of 13 Table of Contents Page Important Information 3 Insuring Clauses
More informationConstruction Insurance Important Things You Need to Know
Construction Insurance Important Things You Need to Know CIBSE Home Counties South East Wednesday 15 February 2014 Presented by: May Looi, Solicitor Insurance policies commonly required in construction
More informationDIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND CLUBS
PLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND
More informationAllianz Professional Indemnity Insurance Travel Agents
Allianz Global Corporate & Specialty Pacific Allianz Professional Indemnity Insurance Travel Agents Policy Wording Table of Contents GENERAL INFORMATION... 5 POLICY WORDING... 9 INSURING CLAUSES... 9 CIVIL
More informationGeneral Conditions for Loans reference No.: General Terms and Conditions for Loans dated 1 March 2016
General Conditions for Loans reference No.: General Terms and Conditions for Loans dated 1 March 2016 These General Conditions for Loans is made between ( Lender )and the Entity who signs the Schedule
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form for Accountants Important tices to the Applicant Your Duty of Disclosure Before you enter into a contract of general insurance with an insurer, you have a
More informationCommercial Builders Structural Defects Insurance Proposal (Victoria)
Commercial Builders Structural Defects Insurance Proposal (Victoria) NOTICE TO THE APPLICANT FOR INSURANCE IMPORTANT NOTICES Commercial Builders Structural Defects insurance policies issued by AXIS Specialty
More informationProfessional Indemnity for Engineers Proposal Form
Professional Indemnity for Engineers Proposal Form 4767 03/06 Your business activity 1. Name of all companies/firms to be insured: Name Date established 2. Address of main location: Postcode: 3. Please
More informationLevel 1, 2 Wellington Parade, East Melbourne. 3002. ph: 03 9235 5255 fax: 1800 633 073 email: enquiries@prorisk.com.au web: www.prorisk.com.
Level 1, 2 Wellington Parade, East Melbourne. 3002. ph: 03 9235 5255 fax: 1800 633 073 email: enquiries@prorisk.com.au web: www.prorisk.com.au Professional Risk Underwriting Pty Ltd ABN 80 103 953 073.
More informationCivil Liability Professional Indemnity Insurance Policy. Professional and financial risk solutions
Civil Liability Professional Indemnity Insurance Policy Professional and financial risk solutions Civil Liability Professional Indemnity Insurance Policy Introduction...1 Policy wording...1 1. Insuring
More informationProvince of Alberta LIMITATIONS ACT. Revised Statutes of Alberta 2000 Chapter L-12. Current as of December 17, 2014. Office Consolidation
Province of Alberta LIMITATIONS ACT Revised Statutes of Alberta 2000 Current as of December 17, 2014 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s Printer 5 th Floor, Park Plaza
More informationAGREEMENT WITH A SELF-EMPLOYED CONTRACTOR FOR CONSULTANCY SERVICES
AGREEMENT WITH A SELF-EMPLOYED CONTRACTOR FOR CONSULTANCY SERVICES Names of Parties 1. (Company Name) of (Company Address) ( Consultancy ). 2. Redline Group Ltd of 26-34 Liverpool Road, Luton. Beds LU1
More information"Broadband Voice Telephone Adapter" a broadband voice telephone adapter or BT Voyager 220V which may be bought from BT.
Terms and Conditions 1. Definitions 2. Providing the Service 3. Managing the Service 4. Monitoring Calls 5. Customer Equipment 6. Misusing the Service 7. Security 8. Intellectual Property Rights 9. Intellectual
More information