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Professional Liability

Inter-Pacific offers Professional Liability, General Liability & supporting coverages, such as EPLI to select Industries. There are packaged coverages for these industries that offer both broad coverage & competitive pricing.

Learn more about our packaged industries in the links to the left.

Professional Liability

Agricultural Consultants

Who is it for?

This E&O program is for professionals involved in any Ag-related business, including PCAs and CCAs

Sample business activities

  • Agronomy or cropping systems
  • Animal production & nutrition Aquaculture
  • Business planning, economies and farm management
  • Chemical consulting
  • Crop protection, pest and disease management
  • Design and/or manufacturer of products
  • Environmental or natural resource planning/policy/management
  • Farming logistics
  • Food science and quality assurance
  • Forestry consulting
  • Greenhouse emissions and carbon trading
  • Horticulture or viticulture
  • Irrigation, water and effluent management
  • Laboratory testing
  • Land remediation
  • Land surveying, engineering or architectural services
  • Local authority of government planning approval
  • Nursery or seed growing
  • Project, R&D, planning and management
  • Real estate appraisals
  • Real estate or land sales
  • Rural and regional development
  • Soils management/testing and nutrition
  • Tender preparation
  • Valuations

Limits and Deductibles

  • Maximum Professional Liability $1,000,000/occurrence $3,000,000 aggregate
  • Minimum deductible $2,500

Professional Liability

Allied Health & Medical Professionals

Who is it for?

  • Acupuncturists
  • Aromatherapists
  • Audiologists
  • Certified laboratory technicians
  • Certified medical assistants
  • Color therapists
  • Cosmetologists
  • Counselors
  • Dental hygienists
  • Dieticians
  • Homeopaths
  • Hypnotherapists
  • Massage therapists
  • Meditation practitioners
  • Opticians
  • Orthotic/prosthetic fittings
  • Phlebotomists
  • Reflexologists
  • Speech therapists
  • Yoga practitioners

What does it cover?

  • Professional liability
  • Sexual misconduct and physical abuse liability
  • Contractual liability
  • General liability
  • Employee benefits liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Medical expenses
  • Property
  • Business interruption
  • Loss mitigation
  • Court attendance costs
  • Brand protection

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum Sexual Misconduct & Physical Abuse Liability Limit: $1m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $25m
  • Minimum Deductible: nil
  • Minimum Premium: $300

Highlights

Seamlessly blended package policy which includes professional liability, general liability, sexual misconduct & abuse liability and property for allied health and medical professionals. The policy is modular so policyholders are free to buy as many or as few coverages as they like.

Professional Liability

Architects & Engineers

Who is it for?

  • Civil engineers
  • Conservation managers
  • Electrical engineers
  • Environmental engineers
  • Expert witnesses
  • Feasibility studies
  • HVAC engineers
  • Hydraulic/fire engineers
  • Landscape architects
  • Mechanical engineers
  • Project managers
  • Town planning engineers
  • Structural architects
  • Other architects
  • Other engineers

What does it cover?

  • Professional liability
  • Breach of contract
  • Intellectual property rights infringements
  • Pollution liability
  • Loss of documents
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $5m
  • Minimum Deductible: $1k
  • Minimum Premium: $300

Highlights

  • Our policy provides you with unambiguous cover for breach of a client contract, an increasing vital piece of coverage.
  • Rather than buying each line separately, the program provides architects and engineers with fully tailored coverage in one simple, cost-effective package
  • The program features robust business interruption cover, which is available on a “flexible first loss” basis. This means that whatever type of business interruption loss is suffered, only one sum insured needs to be purchased and consequently a lower premium can be offered. Our BI cover also features tailored enhancements which cover this industry’s unique risk profile

Professional Liability

Design & Construction Industry

Who is it for?

  • Companies engaged in building design and construction

What does it cover?

  • Professional liability
  • Breach of contract
  • Breach of a collateral warranty
  • Intellectual property rights infringements
  • Pollution liability
  • Loss of documents
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $7.5m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $5m
  • Minimum Deductible: $1k
  • Minimum Premium: $500

Highlights

  • This is a package policy which features professional liability and general liability in the same wording which is crucial for companies engaging in both design and construction
  • The policy includes specific cover for breach of a collateral warranty as well as general breach of contract coverage
  • We have a broad appetite across the range of activities in this sector and cover can be provided for overseas projects if required

Professional Liability

Excess Liability

Who is it for?

  • Architects
  • Complementary medicine practitioners
  • Design and construct companies
  • Engineers
  • Insurance brokers
  • Media companies
  • Recruitment and staffing companies
  • Scientific R&D Companies
  • Senior care service providers
  • Social media companies
  • Technology companies
  • Other biotech firms
  • Other companies requiring excess cyber and privacy liability
  • Other professional service firms

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum Cyber & Privacy Liability Limit: $10m
  • Maximum General Liability Limit:$5m
  • Maximum Products Liability Limit: $10m
  • Maximum Revenue: $250m
  • Minimum Excess: $1m
  • Minimum Premium: $500

Highlights

  • Companies of all sizes are increasingly required to carry more liability insurance cover, often at the request of their clients. This program provides additional cover which works seamlessly with the primary policy, whether written by our market or another insurer
  • The low minimum premiums of the program enable companies to top-up their cover cost-effectively when traditional excess markets are quoting prohibitive premiums

Professional Liability

Fitness Instructors & Clubs

Who is it for?

  • Aerobics instructors
  • Athletic trainers
  • Dance/movement therapists
  • Fitness instructors
  • Fitness clubs
  • Fitness boot camps
  • Group fitness instructors
  • Health clubs and gyms
  • Life coaches
  • Mind body programs
  • Nutritionists
  • Personal trainers
  • Physiotherapists
  • Pilates instructors
  • Yoga practitioners
  • Zumba instructors/dance instructors

What does it cover?

  • General liability
  • Professional liability
  • Sexual misconduct and physical abuse liability
  • Products and completed ops liability
  • Tenants’ liability
  • Medical expenses
  • Loss mitigation costs
  • Court attendance costs
  • Reputation and brand protection
  • Commercial property
  • Business interruption

Limits, deductibles and premiums

  • Maximum General Liability Limit:$20m
  • Maximum Professional Liability Limit: $10m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $25m
  • Minimum Deductible: nil
  • Minimum Premium: $300

Highlights

  • This program represents a one-stop shop for fitness instructor and clubs which has been specially developed just for them. Not only does it give these businesses well-rounded general liability, professional liability, commercial property and business interruption cover, but it also takes into account specific risks facing this industry such as sexual abuse and molestation. You can rest assured that your clients have robust and relevant cover in place.

Professional Liability

Insurance Brokers & Agents

Who is it for?

  • Insurance agents
  • Captives
  • Commercial lines insurance brokers
  • Personal lines insurance brokers
  • Risk retention groups
  • Underwriting agencies

What does it cover?

  • Professional liability
  • Breach of contract
  • Intellectual property rights infringements
  • Pollution liability
  • Loss of documents
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $7.5m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $5m
  • Minimum Deductible: nil
  • Minimum Premium: $200

Highlights

  • A broad package policy featuring professional liability, general liability and property, with the flexibility to purchase one or all covers.
  • Can be tailored to meet the coverage requirements of the various associations for insurance brokers and agents around the globe.

Professional Liability

Media Companies

Who is it for?

  • Advertising agencies
  • Authors
  • Celebrities
  • Content providers
  • Copywriters
  • Film distributors
  • Freelance writers
  • Graphic designers
  • Journalists
  • Marketing consultants
  • New media/digital agencies
  • PR consultants
  • Press agencies
  • Publishers – print and digital
  • Radio stations
  • Social media agencies
  • Telemarketing companies
  • Television broadcasters
  • Travel/creative/research writers
  • Web-casters

What does it cover?

  • Libel and slander
  • Intellectual property rights infringements
  • Invasion of privacy
  • Content liability
  • Professional liability
  • Cyber and privacy
  • Property
  • Business interruption
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Loss mitigation
  • Court attendance costs

Limits, deductibles and premiums

  • Maximum Media & Professional Liability limit: $10m
  • Maximum General Liability Limit: $20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: Unlimited
  • Minimum Deductible: $1k
  • Minimum Premium: $300

Highlights

  • A seamlessly blended package policy which includes media liability, professional liability, cyber liability, privacy liability, general liability and property cover. If required, however, it can be monoline as well.
  • The policy features tailored cover which responds to the unique risk environment of the media industry, including exposures such as set-rigging, events and PR, high value property such as specialist filming equipment, working with the public, and much more.
  • Wide appetite and most media companies are considered, from start-ups to large, multi-national entities.

Professional Liability

Medical Device Companies

Who is it for?

Companies involved in the design, development, manufacture or distribution of medical devices for use in hospitals or by other healthcare professionals, including:

  • Anesthetic technology
  • Analytical equipment
  • Cardio-vascular
  • Dental
  • Drug delivery systems
  • E-health
  • Hardware and ambulatory
  • Implantable devices
  • Infection control
  • In-vitro diagnostics
  • Medical imaging
  • Mobility
  • Neurology
  • Ophthalmic
  • Orthopedic devices
  • Radiotherapy
  • Surgical devices
  • Wound care

What does it cover?

  • Products liability
  • Property
  • Ideologically motivated attacks
  • Business interruption
  • General liability
  • Pollution and contamination liability
  • Professional liability
  • Breach of contract
  • Intellectual property rights infringements
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • Clinical trials liability
  • Employee fidelity
  • Website damage
  • Brand protection
  • Court attendance costs

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Clinical Trials Limit:$10m
  • Maximum Property/BI Limit:$10m per location
  • Maximum Revenue: $40m
  • Minimum Deductible: $1k
  • Minimum Premium: $1k

Highlights

  • Our combined products and professional liability gives full limit cover for financial loss as well as bodily injury and ensures no gaps or overlaps in cover. This is particularly important in areas such as medical electronics (with embedded software and patient data recording media) and for product distributors that provide added value services such as training and maintenance.
  • We have a broad risk appetite up to and including Class III invasive devices.
  • Fully modular package including much more than just products and professional liability, Customers are able to pick and choose from a wide variety of coverages to get a policy which suits them.

Professional Liability

Not For Profit Organizations

Who is it for?

  • Charities
  • Community Interest groups
  • Leisure groups
  • Schools
  • Sports associations
  • Trade associations
  • Trade unions

What does it cover?

  • Trustee liability
  • Liability of the organization
  • Employment practices liability
  • Benefit plan liability
  • Professional liability
  • General liability
  • Cyber and privacy
  • Crime
  • Kidnap and ransom
  • Property
  • Business interruption
  • Personal accident
  • Court attendance costs
  • Loss mitigation
  • Reputation and brand protection

Limits, deductibles and premiums

  • Maximum Trustee Liability Limit: $10m
  • Maximum Employment Practices Liability Limit: $10m
  • Maximum Benefit plan Liability Limit: $10m
  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $1bn
  • Minimum Deductible: nil
  • Minimum Premium: $100

Highlights

  • The first policy for the not for profit sector to combine management liability, professional liability, general liability and cyber and privacy in one modular package, enabling organizations to buy their critical insurances in one, simple and cost-effective transaction.
  • Features broad kidnap and ransom cover which is a genuine exposure for not for profit organizations, particularly charities operating internationally. This cover will reimburse any ransom payments and pay for the safe return of the victims.

Professional Liability

Oil & Gas Contractors

Who is it for?

  • Directional drillers
  • Drilling consultants
  • Health and safety consultants
  • Geologists
  • Non-destructive testers
  • Welding inspectors
  • Wellsite operators

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: US$5m/CA$10m
  • Maximum General Liability Limit:US$5m/CA$10m
  • Maximum Revenue: US$25m/CA$25m
  • Minimum Deductible: US$2.5k/CA$2.5k
  • Minimum Premium: US$2.5k/CA$1k

Highlights

  • This product seamlessly blends professional liability and general liability into one simple and easy-to-buy package policy.
  • We are able to offer an optional property insuring clause that allows you to include tools and equipment where required.
  • Covers bodily injury and property damage as a direct result of sudden and accidental pollution or contamination.

Professional Liability

Online Retailers

Who is it for?

  • Any business selling its products online

What does it cover?

  • Cyber liability
  • Privacy liability
  • Privacy breach notification costs
  • System damage
  • System business interruption
  • Media liability
  • Professional liability
  • Property
  • Business interruption
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Loss mitigation
  • Court attendance costs
  • Brand protection

Limits, deductibles and premiums

  • Maximum Cyber and Privacy Limits: $10m
  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: unlimited
  • Minimum Deductible: $1k
  • Minimum Premium: $300

Highlights

  • Specifically created for online retailers, the program has been designed to cover both online exposures and physical exposures through its unique combination of products liability, property and cyber and privacy covers.
  • Provides worldwide cover as standard, reflecting the global nature of online retailing.

Professional Liability

Professionals

Who is it for?

  • Agricultural consultants
  • Business consultants
  • Data processors
  • Environmental consultants
  • Fire consultants
  • Food consultants
  • Health and safety consultants
  • HR consultants
  • Investigators
  • Interior designers
  • Management consultants
  • Project managers
  • Quality assurance consultants
  • Security consultants
  • Training companies
  • Other professional services firms

What does it cover?

  • Professional liability
  • Breach of contractor
  • Intellectual property rights infringements
  • Pollution liability
  • Loss of documents
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: $25m
  • Minimum Deductible: nil
  • Minimum Premium: $200

Highlights

  • The policy wording covers work subcontracted to others, protecting the policy-holder against claims for wrongful acts either committed by him or herself or someone working on his or her behalf.
  • We can cover former firms as long as there has been cover in place continuously with no gaps, and we can easily add additional insureds through the inclusion of our simple “indemnity to principal” clause which will satisfy most contractual requests.
  • Not only does the program give all the cover a professional needs in one simple, cost-effective package, but we’ll consider many unique or unusual professionals that might usually have trouble finding tailored coverage.
  • We offer broad contractual liability coverage, not just negligence.

Professional Liability

Providers of Long Term Care

Who is it for?

  • Certified nursing assistants and aides
  • Home health care
  • Licensed practical nurses
  • Licensed vocational nurses
  • Medical directors
  • Medical technicians
  • Nurse practitioners
  • Occupational therapists
  • Personal caregivers
  • Physical therapists
  • Psychiatrists
  • Registered nurses
  • Respiratory therapists
  • Social workers
  • Residential senior care:
    • Adult day care centers (certified)
    • Assisted living facilities
    • Hospices
    • Independent living facilities

What does it cover?

  • Professional liability
  • Medical practitioner liability
  • Pollution liability
  • Sexual misconduct and physical abuse liability
  • Contractual liability
  • Employee benefits liability
  • General liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Loss mitigation
  • Medical expenses coverage
  • Identity
  • Court attendance costs
  • Brand protection
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum Sexual Misconduct & Physical Abuse Liability Limit: $1m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: unlimited
  • Minimum Deductible: $1k
  • Minimum Premium: $75

Highlights

  • A seamlessly blended package policy which includes professional liability, general liability, sexual misconduct and abuse liability, and property for long term care facilities. The policy is modular so policyholders are free to buy as many or as few coverages as they like.
  • A very wide appetite within this sector and can cover businesses from the smallest start-up to a mature, high-revenue operation.

Professional Liability

Recruiting, EmploymentS & Staffing Agencies

Who is it for?

It’s for agencies who supply workers into the following sectors:

  • Financial services
  • Construction
  • Driving/haulage
  • Educational, Engineering and technical
  • Hospitality
  • Interim management
  • IT/telecommunications
  • Human resources
  • Marketing, media and communications
  • Medical/nursing
  • Office/clerical workers
  • Oil and gas
  • Pharmaceutical and scientific
  • Public Sector
  • Retail/sales

What does it cover?

  • Professional liability
  • Vicarious liability
  • Placed personnel dishonestly
  • Breach of contract
  • Intellectual property rights infringement
  • Pollution liability
  • Loss mitigation
  • Payment of withheld fees
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $410m
  • Maximum Revenue: $100m
  • Minimum Deductible: $1k
  • Minimum Premium: $300

Highlights

  • The vicarious liability section of the policy provides the insured with explicit cover if found legally liable for the actions of placed personnel. The liability sections also cover claims arising out of injury or damage involving placed personnel.
  • Most policies include a clause restricting coverage to the placement of temporary workers through “standard” contracts, which deem placed personnel to be the employees of the end client, but increasingly this is not reflective of how recruitment works. We, however, don’t discriminate between “standard” and “non-standard” contracts.

Professional Liability

Research & Development Companies

Who is it for?

  • Clinical research associates
  • Companies involved in the drug development supply chain
  • Consultancy services
  • Contract manufacturing organizations (research and trial materials)
  • Contract research service providers
  • Drug discovery companies
  • Drug development companies
  • Other scientific companies in the research and development phase

What does it cover?

  • Property
  • Ideologically motivated attacks
  • Business interruption
  • General liability
  • Pollution and contamination liability
  • Products liability
  • Professional liability
  • Breach of contract
  • Intellectual property rights infringement
  • Virus and hacking attack liability
  • Loss mitigation
  • Payment of withheld fees
  • Clinical trials liability
  • Employee liability
  • Website damage
  • Brand protection
  • Court attendance costs

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum Products Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Clinical Trials Limit: $10m
  • Maximum Property/BI Limit: $10m per location
  • Maximum Revenue: unlimited
  • Minimum Deductible: $1k
  • Minimum Premium: $1k

Highlights

  • Provides broad, flexible coverage in an easy to understand format for scientific research companies throughout their life-cycle.
  • It allows cover to be tailored around individual business models and risk profiles and can be adapted as easily as and when this changes. This is particularly beneficial for “virtual companies” where a lot of physical work is undertaken by supply chain partners, for companies moving from pre-clinical research to star clinical trials, and for companies providing a blend of products and services to their customers.
  • For start-up companies, we have a two page application process that gives these fledgling companies a simple, basic, cost effective package of cover that can be built upon as they develop.

Professional Liability

Social Media Companies

Who is it for?

  • App developers
  • Business networking web sites
  • Corporate blogs
  • Crowd sourcing applications
  • Digital marketing agencies
  • Educational games
  • Genealogy web sites
  • Instant messaging applications
  • Internet radio web sites
  • MMORPG
  • Mobile phone content developers
  • News aggregation services
  • Online dating services
  • Online games developers and publishers
  • Online listings sites
  • Photo sharing web sites
  • Social networking web sites
  • User-generated content sites
  • Video sharing web sites
  • Web-based communities

What does it cover?

  • User generated content liability
  • Corporate blogging liability
  • Libel and slander
  • Intellectual property rights infringement
  • Invasion of privacy
  • Content liability
  • Professional liability
  • Cyber and privacy
  • Property
  • Business interruption
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Loss mitigation
  • Court attendance costs

Limits, deductibles and premiums

  • Maximum Social media and Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: unlimited
  • Minimum Deductible: $1k
  • Minimum Premium: $300

Highlights

  • The first-ever insurance product created specifically for social media companies and companies providing services to social media networks.
  • The policy features broad coverage for user generated content, a pre-requisite for any company operating in this space. There is no requirement for this content to have been approved before publication. Policyholders can choose whether to notify “cease and desist” requests which helps to reduce the administration burden on both the policyholder and the broker.
  • We provide full bodily injury and property cover which is necessary in cases where users of a social media site choose to meet offline.

Professional Liability

Technology Companies

Who is it for?

  • Application service providers
  • Bespoke software developers
  • Computer games developers
  • Digital marketing agencies
  • Domain name registration (resellers)
  • Email providers
  • Encryption software providers
  • Hardware value added resellers
  • IT consultancy
  • IT security consultants
  • IT support and training
  • Mobile content providers
  • Networking engineers
  • Online gaming providers
  • Packaged software developers
  • Software value added resellers
  • System integrators
  • Web designers
  • Web hosting (reselling)
  • Web service providers

What does it cover?

  • Professional liability
  • Breach of contract liability
  • Intellectual property rights infringements
  • Loss of documents
  • Cyber and privacy
  • Loss mitigation
  • Payment of withheld fees
  • Employee fidelity
  • Web site damage
  • General liability
  • Products liability
  • Tenants’ legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Limits, deductibles and premiums

  • Maximum Professional Liability Limit: $10m
  • Maximum General Liability Limit:$20m
  • Maximum Property Limit: $10m
  • Maximum Revenue: unlimited
  • Minimum Deductible: nil
  • Minimum Premium: $300

Highlights

  • Our policy provides comprehensive cover for claims arising directly from the breach of a client contract including breaches of warranties and when indemnity provisions are triggered.
  • It covers the insured for claims made against them due to the acts of their sub-contractors. In fact, the language we use in our form is “committed by you or on your behalf”, so we provide cover for the insured’s own liability irrespective of who carried out the act which led to the claim.
  • In the technology industry, disputes can escalate quickly. that’s why we’ve included a range of covers which help to solve a problem before it leads to a lawsuit. These include loss mitigation coverage, cover for payment of withheld fees, and brand protection cover.
  • We provide worldwide cover as standard and can provide cover for companies with up to 100% US revenues.