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Professional Indemnity Insurance (PII) provides cover for defence costs and liability should the policyholder have a claim brought against them by a client in respect of alleged professional negligence, errors, or omissions in their services, which caused the client a financial loss.

This product is appropriate for businesses of any type and size that provide professional advice and related services to their clients.

Public Liability Insurance (PLI) provides cover in the event that a third party brings legal action against the policyholder in respect of physical injury, or damage to property, which has been caused by the policyholder in the course of their business.  The policy provides cover for legal defence costs, and compensation where the policyholder is deemed legally liable for the injury or damage caused.

Employers Liability Insurance (ELI) provides cover in the event that an employee brings legal action against the policyholder in respect of death, injury, illness, or disease, arising from their employment with the policyholder.  The policy provides cover for legal defence costs, and compensation where the policyholder is deemed legally liable for the death, injury, illness or disease sustained by the employee.

These products are appropriate for businesses of any type and size.  Public Liability can be purchased as a standalone product.  Employers’ Liability is normally only available in combination with Public Liability.  It should be noted that businesses are required by law to hold Employers’ Liability insurance if they employ one or more workers.

Tax Enquiry Insurance (TEI) provides cover for defence costs in the event that the policyholder becomes subject to enquiry by HMRC.  The policy provides cover for a wide range of different forms of HMRC enquiries and disputes, including “full” and “aspect” enquiries, status (IR35) enquiries, VAT disputes, and PAYE disputes.  In the event of an enquiry, the insurer will appoint a representative to act on behalf of the insured in their dealings with HMRC, and the representation costs will be covered by the policy.

This product is appropriate for limited company contractors and sole traders.

Jury Service and Legal Protection insurance provides cover in the event that the policyholder is called to attend jury service to serve as juror.  The policy will indemnify the insured at their contracted day rate, subject to a maximum of £500 per day, for each day they are required to attend jury service, subject to a maximum of 10 days.  The policy additionally provides cover for legal expenses incurred in pursuit or defence of a wide range of different legal matters, including employment disputes, contract disputes, debt recovery, property disputes and more.

This product is appropriate for limited company contractors, sole traders, and small businesses.

Personal Accident Insurance provides cover in the event that the policyholder suffers accidental death, or bodily injury, as a result of an accident.  The policy will pay a lump sum benefit, which varies depending on the severity of the injury sustained by the policyholder.  The policy will additionally pay a daily hospital benefit for up to 60 days, subject to an initial 24-hour excess period.

This product is appropriate for limited company contractors and sole traders.

Contractors’ All Risks Insurance provides cover for accidental damage caused to contract works (buildings/structures under construction) for which the policyholder is responsible, whilst work is in progress.  Provides cover for damage sustained to tools, machinery and equipment that is owned or hired by the policyholder.  Additionally provides cover for loss or damage of employees’ tools and effects.

This product is appropriate for contractors, subcontractors, and tradespeople, whether incorporated or working as sole traders.