Professional Risks
Solutions that work as hard as you do
Overview
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How We Can Help
Whether you operate as a sole practitioner or larger organisation, unexpected claims or liabilities could seriously affect your business. That is why we work closely with you to understand your specific risks and create a solution tailored to your profession. From errors and omissions to legal disputes or client claims, challenges can arise in many forms, but with unique Professional Risks Insurance, your business, reputation, and livelihood can be protected against the unforeseen.
Common Exclusions
There are some circumstances which a policy is likely not to cover. Here is a list of some common exclusions, but this is not exhaustive, and it may be possible to pay for additional protection to include these within the cover. Please speak to a member of our team for more information:
- Work in the USA and Canada – The highly litigious nature of these countries mean that cover for work in these countries would require an additional payment.
- Death or Bodily Injury – This does not have a fixed financial value and would normally covered by different types of insurance such as Public Liability Insurance.
- Asbestos or Pollution – These are high risk areas, but can often be added in for an additional cost
- Pre-Existing Claims – If a circumstance was known to a client before they took out the policy, the insurer is almost certain to refuse to cover it and may even cancel the whole policy.
- Deliberate or Criminal Acts by the Firm – The policy is only intended to cover for accidental mistakes. It also does not cover any fines incurred.