What Is Civil Liability?

April 21, 2022April 24, 2019

Civil liability is very much part of everyday life as civil matters concern ordinary citizens, their rights and their protection. In its simplest terms, civil liability means the responsibility for actions and practices that could damage others, but which aren’t criminal. They are therefore not pre-meditated or against the law. Instead, civil liability concerns the …

Do I Need Public Liability Or Professional Indemnity Insurance If I Work From Home?

April 21, 2022April 17, 2019

The number of homeworkers in the UK has hit record levels, with around 4.2 million people – or roughly 14% of the workforce – working remotely according to last year’s government statistics. 1.5 million of these works do their job from home exclusively, meaning that they are never required to go into the office. So, …

What Kind Of Insurance Does Your Small Business Require?

April 21, 2022April 16, 2019

From professional indemnity, to public liability, directors and officers, to cyber insurance – if you’re new to the world of business insurance, it can all seem slightly overwhelming. Within this blog post, we will be discussing the insurance policies that you require as a small business, those you should consider, as well as some tips …

The Most Important Risks For Businesses In The United Kingdom

April 21, 2022April 1, 2019

In a recent article, Allianz have identified the top corporate perils based on the insight of risk management experts from around the world. Below the risks have been ranked most important by respondents within the UK. 1. Cyber Incidents / Changes in Legislation And Regulation As cyber incidents are ranking as one of the highest risks, it proves …

The Importance Of A Written Design Brief For Architects

August 16, 2022March 27, 2019

We discuss why Architects should always prepare a written design brief for their projects and what can happen if this is overlooked. Table of Contents A recent Technology and Construction Court decision has highlighted the risk for architects (and their professional indemnity insurers) of failing to agree a design brief with their client in writing. …

What Is The Difference Between Aggregate Cover And Any One Claim?

April 21, 2022March 15, 2019

Professional Indemnity policies often appear to all be the same, offering similar levels of cover and generally covering the same twelve-month period. However, when looking at differing insurance policies, it is important to know whether cover is being provided for “in the aggregate” or “any one claim”. The amount of money that your insurer will …

Professional Indemnity Insurance Explained

April 21, 2022March 14, 2019

What Is Covered By Professional Indemnity Insurance? Professional Indemnity Insurance (often referred to as professional liability insurance), pays any legal costs, as well as any compensation payments that you may incur if your client decides to take legal action against you for a mistake you have made when providing professional services, advice or designs. It …

Professional Indemnity Insurance For Writers

April 21, 2022June 29, 2018

Copywriters provide engaging and complex passages of writing that delight clients and readers alike. But get the content wrong or misquote someone and claims could be made against writers.

Training Consultants Using Professional Indemnity Insurance

April 21, 2022June 20, 2018

Most professions carry risk of some form, and training consultants are no different. Professional Indemnity Insurance can help to protect you should clients makes claims against you.