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An Outline Of Your Cover

Professional Indemnity

Protection for board/committee members against incorrect advice or information committed in good faith arising out of neglect, error or omission.

What does professional indemnity insurance cover you for?

If during the period of insurance and as a result of your business activities any party brings a claim against you for:

  1. Negligence or breach of duty of care
  2. Negligent mis-statement or negligent misrepresentation
  3. Infringement of intellectual property rights including copyright, patent, trademark or moral rights or any act of passing off
  4. Breach of confidence or misuse of any information, which is either confidential or subject to statutory restrictions on its use
  5. Defamation
  6. Dishonesty of your individual partners, directors, employees or self employed freelancers directly contracted to you and under your supervision
  7. Any other civil liability unless excluded as detailed in the policy wording.

Judicial Review

Applications for judicial review are not covered under this or other insurance policies as the application does not involve any of the allegations of claim in relation to a – g above, including a claim for civil liability.

An application for judicial review by any person or organisation is essentially an application to the High Court to rule on whether a process which is being carried out by an organisation (private or government) is lawful or not, or is being lawfully applied, and does not involve a claim for ‘loss’.

Other limitations on professional indemnity cover

Where there is a sub-committee (e.g. day or night-time) which operates under the terms of the business crime reduction partnership (BCRP) and where decisions regarding the imposition of exclusion notices, identification of targets and subsequent circulation of personal or sensitive personal data which the sub-committee wishes to implement, are put before the BCRP board of management or nominated board member to ratify the final decision, then the sub-committee is indemnified under the policy in the same manner as the BCRP. In these circumstances, should the BoM wish, the names of members of that sub-committee can be added to the BCRP’s own policy.

Where there is, for example, a sub-committee (day or night-time) which may be working in conjunction with the BCRP but makes committee decisions regarding exclusion notices or other matters affecting personal or sensitive personal data independently of the BCRP, then the sub-committee making those decisions would be regarded as an independent organisation and would require a policy in their own right to provide PI indemnity cover.

Limit of Indemnity: £500,000, subject to a £250 policy excess.

Public Liability

Cover for all sums which you become legally liable to pay for compensation for accidental injury to any person other than an employee, accidental damage to property not belonging to you or in your custody or control occurring in connection with the business of the board/committee.

Limit of indemnity: £2,000,000 subject to a £100 policy excess.

Employer’s Liability

Cover for all sums which you become legally liable to pay for accidental injury to any employee if such injury arises out of their employment by you. 

Limit of Indemnity: £10,000,000.

Office Contents

Office contents including computers (excluding laptops) up to a sum insured of £2,500 subject to a £100 policy excess. All policies are inclusive of IPT.

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