The Benefits to Policyholders

There are a number of factors that have led to the increasing need for Professional Indemnity cover and these include:

Bespoke wording for the industry
This type of Insurance is usually difficult and expensive to obtain
Risks covered under our policies are not usually covered by the general insurance market
Access to and support of international markets
Excellent Reinsurance backing
Costly liability claims do not influence other commercial exposures or insurance covers
Provision of certificates for tenders
Streamlined processes with fantastic turnaround times
A unique approach to risks of this nature

Cover Provided

General Public Liability

The insured is indemnified in respect of liability for and/or arising out of injury and/or property damage but not against liability arising out of or in connection with pollution, any product, security claims or professional negligence.
The cover can be extended to include Defamation, Statutory Defence Costs and Employers Liability.

Pollution Liability

The insured is indemnified in respect of liability for and/or arising out of injury and/or property damage arising out of pollution, which was as a direct result of a sudden, specific and identifiable event and which was not the result of the Insured failing to take reasonable precautions to prevent such pollution.

Products Liability

The insured is indemnified in respect of liability for and/or arising out of injury and/or property damage arising out of or in connection with any product. The cover does, however, exclude Product Guarantee, Product Recall, Aircraft Products and Product Warranty

Security Claims

The insured is indemnified in respect of liability for claims arising out of:

Injury to persons
Damage to property on or in the vicinity of the security site and in the care, custody or control of the insured or which would, but for the failure of the insured to provide the necessary security personnel, have been in the care, custody or control of the Insured
Wrongful arrest of persons whilst the security personnel are carrying out their duties in the provision of the security services

Professional Negligence

The insured is indemnified in respect of liability for claims arising out of injury to persons and/or damage to property arising out of professional negligence, but only in respect of training centres or recognised medical personnel.

This is only a guide. The full terms and conditions are contained in the policy wording.

A market leader focused on bringing innovative and niche insurance solutions to market.

A specific product which focuses on providing liability insurance cover developed for the unique needs of the security industry.