If your business involves giving advice, consultancy services or any form of diagnosis then your professional reputation is of utmost importance. And if your business is about giving advice and support to others then you’ll recognise the importance of cost-effective but comprehensive solutions that are relevant to your professional specialisation. To ensure your cover is placed on the right basis it is important you obtain impartial advice on your insurance needs.
As a professional service company ourselves we appreciate the standards required within this sector. Being a chartered insurance broker means our ability and ethos has been acknowledged by our industries premier professional body. We understand the needs of a professional service company and will work with you and provide comprehensive advice on your insurance requirements and options.
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As a professional service company you will have a variety of needs dependent on your specific business:
If you don’t manufacture/provide a specific tangible product, chances are your commercial/office insurance may not cover you for professional indemnity insurance and it is important to ensure you are covered for any potential risks.
If you practice health or medical advice then you should seek expert advice to ensure you are covered for all the risks you are exposed to.
It depends on what your business offers. Whilst no two businesses are the same, no two office policies are the same. We will work with you to understand your needs and recommend the correct policies for you.
For public liability the absolute minimum recommended amount would be £1million, although best practice would be to have £2million to £2.5million or higher dependent on your exposure. From a professional indemnity limit it would very much depend on the size and value of your contracts and any specific contractual agreements.
A retroactive date is a date for how far back claims will be accepted under a professional indemnity policy. Even though claim events may have occurred before a policy was taken out the inclusion of a retroactive date will provide this additional cover.
Yes; diversification is not a problem. Please ensure that you tell your insurance provider in advance of your planned diversification in order that the relevant cover can be put in place.
We cover most solicitors’ professional indemnity with the exception of criminal defence.
Landlord harassment is essentially anything a landlord does that prevents tenants from living peacefully in their homes. Examples of landlord harassment in the UK vary widely but includes incidents such as changing the locks without tenants’ knowledge.
If you own or manage a care home, ensure you have all your insurance liabilities covered with our comprehensive guide.