LIABILITY & PROFESSIONAL

From many years of assisting commercial business owners with their insurance, we are able to offer a combined professional insurances policy, highly recommended for commercial businesses where your product or service has a potential to cause a financial loss to a customer.

The additional benefits available under this policy include:

• Professional Indemnity Insurance
• Cyber Liability Insurance
• Directors and Officers Liability Cover

Professional indemnity insurance, also known as PI insurance, or indemnity insurance, can help protect you if claims are made against you by a customer, or client, due to issues with work you have performed for them.

Our professional indemnity policies will offer cover for compensation you may need to pay to correct a mistake, or cover any legal costs due to negligence, such as giving incorrect advice or making errors in your work.

It is important to note that sometimes a customer will win a claim, even if you believe the work you carried out was carried out correctly and to the best of your ability.

Indemnity insurance is therefore an absolute necessity in any commercial business. Choosing the correct policy is also vital to ensure you have maximum protection.

In today’s electronic world, Cyber-crime is a significant risk for any business. Whether your commercial business is big or small, the risks simply cannot be ignored.

Depending on the nature of your business will depend on the extent of the risk, but essentially all business owners need to take appropriate measures to protect their customer data, their electronic systems, including website, marketing platforms and email and their reputation.

Whilst there are security measures that can be utilised within your business to protect your hardware and software from incidents such as viruses, hacking and identity fraud, if you do experience a Cyber-attack, your business could also suffer financially.

E-risks insurance protects your business against losses arising from Cyber related crime and ensures you are able to cover costs such as compensation for customers if their data is breached.

The policy provides cover for personal and other liabilities in relation to running a business for directors, officers, supervisors, managers and others.