How Do You Work Out Your Professional Indemnity Level Of Cover?

April 21, 2022May 29, 2019

Professional Indemnity Insurance is different to other types of insurance in the sense that you will be given a range of limits to choose from rather than being given a standard limit of cover (the maximum amount your insurer will pay out). Below we have outlined three ways in which you can work out how …

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, …

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 …