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Specialist commercial insurance broking — independent, whole-of-market advice for your business.
For many trades and professions, financial loss and the threat of litigation may potentially carry catastrophic outcomes for the business. A range of insurance policies are available to protect and defend the entity and business owners.
Management Practices Liability
Often referred to as “Directors’ & Officers’ Liability”, the policy is designed to cover an extensive range of exposures.
- Corporate Liability — defending the policy holding entity against allegations of “unlawful acts”.
- Directors & Officers — defending the personal liability of the persons operating the entity.
- Employment Practices — defending the entity against claims made by prospective, existing or former employees.
- Trustees Liability — defending the personal liability of a Trustee(s) in respect of their work undertaken on behalf of a not-for-profit entity.
- Crime — an indemnity for the entity in respect of theft or loss caused by an employee.
Many policies include a 24hr helpline for legal advice including HR advice & assistance and helpful document templates.
Professional Indemnity
Where a business provides professional advice or service they require Professional Indemnity insurance in order to protect themselves against financial loss in respect of their errors or omissions.
Traditionally, businesses such as Solicitors & Architects require this type of cover and the scope of trades who require Professional Indemnity is far greater than ever before.
Examples include: Research & Development (engineering and electronics); Tour Operators; Care Homes (Malpractice); Security Installation companies; Solar Panel contractors etc.
Legal Expenses
Sometimes automatically included as an “add-on” within a commercial property insurance policy but with a modest indemnity limit. Legal Expenses may also be purchased as a bespoke policy.
The extent of cover varies, but most policies include:
- Contract disputes
- Criminal prosecution
- Property disputes
- Data protection
- Tax protection
- Statutory license
- Jury service
- Personal injury
If you are unsure of the legal protection that you need, please speak to us.
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