Other Types of Business

Below we give you most of the salient types of cover we can arrange- a number of these are discussed elsewhere on our website.  Whilst we specialise in Health etc, we arrange cover for many other types of business and individual clients!

Clinical Trials

Malpractice cover where there is no need to prove negligence- written on a claims made basis

Employment Agencies

Property Owners of all Types

Hotels and Guest Houses

Offices

All types of administration Offices  can be covered at very reasonable premiums

Errors and Omissions (E & O)

Also known as Professional Indemnity (PI) - we can cover all kinds of professionals and consultants

Usually qualifications are required.  This may be waived in individual circumstances.

A professional person who gives advice can be held legally liable if a court of law decides that he/she has not acted with due care.  What is reasonable or what a reasonable person with the appropriate degree of training and competence would have done in a situation is the measure.  To prove this point an expert witness may be called in. E and O is not Medical malpractice – it only covers things like pure Financial Loss, Breach of Confidentiality and Libel or Slander if the client is accused of such things – it won't pay for client t pursue a claim against someone who is libelling them for example. A qualified therapist or consultant advising businesses or other professionals but not treating someone would need this cover – obvious examples would be accountants, solicitors, health advisors, all types of consultants.

Professionals of All Types

A typical basic programme should include these things:

• PI
• Office Contents
• Personal Protection e.g. Personal Accident and Sickness or refer to Life Department for Life cover and advice

Directors and Officers (D & O) for all types of Companies

Where  a Business has directors/ and other officers, they can be held  personally legally liable for their actions by law.  These policies will defend them against an allegation.This is dealt with under a separate section in more detail

Commercial Legal Expenses

All Risks Insurance

Marine and Cargo Insurance

Goods in Transit Insurance

Special Events Insurance

Exhibition Insurance

Employment Practices Liability

Business or Personal Travel Insurance

Motor Insurance

For Affinity Groups we customise and design schemes.  These are then outsourced to a specialist scheme provider.  We do not transact individual personal motor insurance.

Public / Products Excess of Loss Insurance

Where the main insurer can only go up to 1 or 2 million and more cover is required- top ups are available.

They will usually want to see underlying policy wording and the premium.

Usually need to know turnover amount and breakdown of turnover UK/Abroad