Motor Trade Insurance

Posted on 6th December 2010 in Motor Trade Insurance
Motor Trade insurance
by TheCamerons

Motor Trade Insurance

Anybody who works with vehicles, or sells or deals vehicles, will need motor trade insurance. Motor trade insurance policies tend to cover the driver, not the vehicle, giving the driver greater flexibility and freedom when doing test drives, demonstrations, and moving vehicles on the road and within trading premises.

The first thing an insurer is likely to ask is what type of vehicles you are working with – for example, are they private cars, commercial vehicles, or HGVs?  And next, what is the nature of your business, are you involved in selling / dealing vehicles, or in their maintenance, service and repair? It is very important to have a clear picture of your business to give to potential insurers, to make sure you get quotes covering all necessary aspects of your business.

There are various types of policies that a motor trader can opt for. Some cover road risks only; i.e. risks when actually driving the vehicles, and others offer broader coverage.

If you are in the business of vehicle sales, you will need cover that allows you to test drive and demonstrate a number of different vehicles, as well as collect and deliver them, take them to the workshop for repairs if necessary, etc. usually, this is called a ‘road risks’ policy.

There are different levels of cover, from Third Party only – which is the minimum legal requirement and doesn’t cover you in case of fire or theft – to Comprehensive, which has a much broader level of cover for your and other people’s vehicles.  Insurers will require quite detailed information about the vehicles registered to you or in your care as part of your business, so check with them how this information is submitted and maintained – you want an easy to use and accessible system.

You should also check whether a policy covers+ Social, Domestic and Pleasure use too (referred to as SD&P by those in the know). If it does, that means you can use your vehicles for driving to and from work, for example, as well as in the course of operating your business.  Including SD&P may raise your premium, so think carefully about how you will use your business vehicles.

If you are operating in a showroom, forecourt or garage you must consider premises insurance, which protects your property in case of damage, or theft of, or damage to, the contents of that property, such as machinery, tools, money and personal items.

Finally, there is liability insurance, which goes beyond simply covering damage to or loss of vehicles and property, but also protects you against liability to customers and staff in case or injury or legal grievance.

The law says that if you employ any staff at all, you must have Employer’s Liability Insurance to protect you from compensation claims, should your staff be injured at work. Public Liability Insurance is not required by law, but is strongly recommended as it protects you in case someone is injured on your premises and decides to sue you. And Product Liability Insurance will protect you if a vehicle or part you provide later turns out to be faulty, and causes damage or injury.

Some specialist insurers may offer packages that combine road risks, premises and liability insurance, which are specifically designed for motor traders. It is definitely worthwhile finding out who the best specialist insurers are, and talking through your individual needs with them.

This article is provided by The Insurance Factory, an insurance company specialising in niche cover including motor trade insurance


Article from articlesbase.com

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Why does my travel Insurance cost more than my Holiday?

Posted on 4th December 2010 in Air Ambulance From Spain
air ambulance from Spain
by US Army Korea – IMCOM

Why does my travel Insurance cost more than my Holiday?

Having worked in the Travel Insurance industry for many years I have often heard the phrase “that’s more than my holiday” when I tell someone the price of their insurance. There seems to be a general misunderstanding of why Travel Insurance is so important. A standard travel insurance policy would include cover for cancellation, emergency medical cover, hospital benefit, personal accident, baggage, money, delayed departure, missed departure and legal expenses. The two most commonly used sections of a travel insurance policy are cancellation/curtailment cover and emergency medical expenses cover. Let’s take a look at these policy benefits individually to see what they actually cover.

Cancellation and Curtailment cover

In most cases you plan and book your holiday in advance, to give you something to look forward to! At the time of booking your trip you would normally purchase your travel insurance as this would provide cancellation cover if you were unable to travel due to a covered event which would normally be if you where ill and unable to travel, had a accident or passed away before your trip, the insurance would then reimburse you for the cost of the holiday up to the policy limit. Do consider that you may have booked your holiday some time in advance and cover would apply from the time of taking out your policy.

Emergency Medical Expenses & Repatriation

This is the most important reason why you need your travel insurance. Emergency medical expenses is usually the biggest and most significant part of a travel insurance policy as it will cover for any emergency medical treatment required whilst you are on your holiday. It’s very difficult for UK residents to envisage how much medical treatment is abroad as we are fortunate to have the NHS and never have to think about how much it costs to treat a broken leg or a heart attack.

To give you an indication here are some estimates of the cost of treatment abroad which have been provided by our claims assistance company.

1 night stay on a Spanish/Turkish hospital ward = £600

1 night stay on a Spanish/Turkey ICU =  £1500

Air Ambulance from Spain = £20,000 / Canaries £25,000

Please consider if you are travelling further afield like the USA the costs will be

1 night stay on an ICU in USA = £5000+

CABG in USA = £20,000 – £50,000 CABG =heart bypass

Air Ambulance from USA = £60,000 – £70,000

As you can see there could be some serious cost’s involved.

You need to bear in mind, that 99% of people will pay their premium for their travel insurance and have a great holiday and not require their travel insurance, however no-one wants to be in the 1% that has a medical emergency, which results in the claim of more than £100, 000 you would then be grateful for paying your travel insurance premium.

I have over ten years experience in offering travel insurance for people with pre-existing medical conditions. The website travelinsurancehelpline aim is to offer views and information in regard to travel insurance  


Article from articlesbase.com

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Three Important Factors to Consider When Shopping for Army Kit Insurance

Posted on 3rd December 2010 in Army Kit
Army kit
by zugaldia

Three Important Factors to Consider When Shopping for Army Kit Insurance

An ever increasing number of military servicemen and officers are taking up army kit insurance cover. Before the advent of such army kit insurance cover, military life for many soldiers was fraught with unspoken anxiety, as one had to live with the knowledge of the fact that they were fully responsible for their army kit, and would have to pay for it were it to get lost or damaged in one way or another. This was an anxiety-inducing thought, as the cost of army kit can be rather high, often running into thousands of pounds (think several months’ pay) for the whole kit.

            Then came army kit insurance. By taking up such army kit insurance, a soldier can live with the peace of mind of knowing that they are covered (at least financially speaking) in the event of their losing their army kit in one way or another. Army kit insurance is one of the specialized military insurance products, alongside military life insurance and personal accident insurance cover (also referred to as pa insurance) which were greeted with the most enthusiasm by both servicemen and officers in all branches of the military. The enthusiasm with which military insurance products like military life insurance like army kit insurance and pa insurance covers were met with led to the growth of specialized military insurance providers like Abacus, which was among the pioneers. Today, as more and more companies offering military insurance products spring up, many soldiers are finding themselves spoilt for choice on which provider to opt for, and what criteria to use in sorting through the various products on offer, as they all look so similar. Here then are three important factors to consider, when you are shopping for army kit insurance.

1.      The cost structure of the cover: Taking any form of insurance cover is seen as a serious financial commitment, and military insurance is no exception. You need to carefully consider the cost of the army kit insurance cover you are taking, and see how that fits into your overall budget. You also need to ensure that the premiums you pay for your army kit insurance cover compare favorably with the benefits you stand to get in the event of your losing or having your army kit damaged. Of course, don’t approach your army kit insurance cover shopping with cost as the only shopping criteria as such an approach often blinds you to other important factors. Simply put, the cheapest is not always the best, though cost is still an important consideration. In looking at the cost, you will also need to consider other elements that are not explicitly mentioned, like annual fees for example. Some army kit insurance providers charge such fees (in addition to the normal premiums) whereas others don’t charge such fees. You need to look at such fees as implicit costs, as they still have to be paid for ultimately.

2.       The benefit-structure of the cover: Alongside the cost structure of the army kit insurance product you are considering taking up, you also need to consider its benefit-structure. This often involves combing through the fine print carefully, looking for catches. Some of the questions you might ask include whether the army kit insurance cover only covers for lost army kit – or whether it also includes damaged military kit for example. You might also want to know whether the army kit insurance comes with worldwide coverage – or whether the coverage is only local (keeping in mind the ever-present possibility of being called up overseas duty).

3.      The product provider: You also need to carefully examine (and compare) military insurance providers providing army kit insurance before committing yourself to one. Some of the things to look at in an army kit insurance provider include their experience (you might, for example consider going for an experienced army kit insurance provider like Abacus, or opt for the relatively newer, less experienced providers), the track record of the army kit insurance provider, and of course the financial stability of the insurance provider you are considering committing yourself to. You might also consider looking at what other products (besides army kit insurance) they offer, and how these other products might appeal to you. As it were, it is often better to get all your military insurance products from one insurer, as they often given great ‘discounts’ for multiple purchases. A company like Abacus for example, offers army kit insurance at greatly reduced rates if it taken alongside personal accident insurance (pa insurance) cover.

With qualified advisers dealing with

military insurance,
army

kit insurance and


military PA insurance, many of whom have over 20 years experience in dealing

with service personnel of all ranks, you can be confident that we know what we

are talking about. At Abacus we experts on military insurance and army life

insurance.


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Recruitment Agency Insurance: A Must Have Cover For Your Agency

Posted on 2nd December 2010 in Contract Recruitment Agencies
Contract recruitment agencies
by sgroi

Recruitment Agency Insurance: A Must Have Cover For Your Agency

Recruitment Agencies have a tough task to do. They have to deal with their clients and also with applicants. Being the middleman is never easy. You have to take care that you meet your client’s requirements and also make sure that the person you have chosen for your client is actually interested in doing the assigned work. You may lose your placement money if the candidate does not complete a pre-agreed tenure with your client. Such financial problems could cause big damage to your business economy in the long run. Thus, if you are running a recruitment agency, we recommend our recruitment agency insurance for you.

Your chief tribulations
There is a threat involved in any kind of employment you choose for yourself.  If your business is about recruiting staff for your clients, it is obvious that there would be more twists and turns than expected! Your clients would be interested in contract based dealings with you.

A major problem could arise if, under any circumstance, a breach in contract is found. Your client is likely to drag you to court. Recruitment agency insurance will be of assistance to you in such scenarios. A breach in contract could occur due to any of the following:

Negligence towards your work, unknowingly or knowingly
Laxity in performing the post-recruitment tasks
No reference checks made on the candidate’s background(if the person hired, becomes a part of any frauds for example, your agency may be put to blame by your client)
Giving insufficient or wrong information to the client about the person being hired
Dishonesty of any kind
Loss of important data/documents handed over to you
Unintentional breach of the client’s confidence

You might be thoroughly alert but no one can avoid mistakes. Such mistakes could turn out to be your worst nightmare. Let our recruitment agency insurance come to your rescue when you unwittingly commit some error in business. Our policies provide you great cover at affordable rates.
Our counsel
We recommend you acquire the following insurances when going for recruitment agency insurance:

Professional Indemnity Insurance
Public Liability Insurance
Employer’s Liability Insurance

These are our products tailored to protect your business from all kinds of risks. To know more about any of our policies please call us on.

We care for you. It is our promise to provide you with the best recruitment agency insurancefor your agency in a world full of ever growing claims, which expands the shadow that is cast on your business by the employees and the employers.

Article Resource:-

http://www.agencyinsure.co.uk/article-recruitment-agencies-insurance.html

Know more about Recruitment Agency Insurance:-

Recruitment Agency Insurance |Recruitment Agents Insurance

i am articles writers writing 3 years…

Ammenda Michle


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Public Liability Insurance

Posted on 9th November 2010 in Public Liability Insurance
Public Liability Insurance
by enric archivell

Public Liability Insurance

Public Liability Insurance

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Public Liability Insurance

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Posted: Jul 28, 2010 |Comments: 0

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Public Liability Insurance

By: Malcolm Nguyen

About the Author

Tradesman public liability insurance is essential for all tradies. Public liability insurance protects you financially if someone is injured or property is damaged as a result of your actions while at work.

(ArticlesBase SC #2915144)

Article Source: http://www.articlesbase.com/ – Public Liability Insurance





If you are a tradesman working in either a traditional or more unusual trade (such as steel fixing, perhaps wall papering or wardrobe installations), you’ll need comprehensive public liability insurance for tradesmen. You will need to find an industry leader in providing cheap public liability insurance and business insurance specifically for tradies.

From just .77 per month (paid monthly for your convenience), it’s around the cost of a carton of beer, and an investment that’s worth million dollars in peace of mind against public liability claims.  While tradesmen’s public liability insurance cover for million is common, today more and more tradesmen are opting for million public liability cover.

The importance of maintaining adequate Tradesman public liability insurance cannot be underestimated. Imagine the consequences if someone was injured through an incident or accident caused by you or one of your team. Without tradesmen’s public liability insurance they could sue you for thousands or millions of dollars. You could lose your business or your home.

Your insurance representatives will be only too happy to assist you with public liability insurance quote/quotes.  Search the internet to get public liability insurance online quote or speak to an insurance consultant directly. Cheap public liability insurance isn’t a ‘sell’, it’s a reality. In fact, you can get tradesman liability insurance for around the cost of a carton of beer per month.

It is essential that you read the Product Disclosure Statement when seeking a public liability insurance quote. The PDS covers all aspects of Tradesman public liability insurance package including the important issue of inclusions and exclusions. For example, some business insurance package inclusions don’t apply to some trades and you need to know what’s included in your cover or rather and importantly, what’s not covered.  

When arranging Tradesman public liability insurance, it’s essential that the paperwork is right so that tradesmen don’t run the risk of being under insured or worse – uninsured. While cheap public liability insurance is the goal and reality, be mindful that there are a number of situations that may exclude tradies from a tradies insurance package.

If you are in a trade occupation that involves work in an underground mine or with high voltage power supply or on an airport tarmac you will need to disclose this at the time of requesting your public liability insurance quote/quotes. If your occupation or workplace is listed on a restricted locations exclusion list, this needs to be listed on the application paperwork for Tradesman public liability insurance.
Make sure you find an insurance company that is committed to assisting tradies with the best business insurance cover possible and at affordable prices. They will let you know all the details about the right public liability insurance, Australia policies and we’ll ensure you will obtain the best public liability insurance premium cost.

Call your insurance consultant today for more information and to arrange quotes for public liability insurance, tools insurance, business insurance, commercial vehicle insurance as well as illness & injury insurance (formerly known as income protection insurance).
Always refer to your Product Disclosure Statement.

If you’re a tradesman on a jobsite and someone is accidentally electrocuted or they trip over your gear and sustain an injury, there are two things you need:

1) Public liability insurance; and
2) Enough public liability insurance cover for the full extent of the claims made against you.

All tradesmen and sub-contractors on a jobsite need to carry public liability insurance to protect themselves against professional and personal financial ruin.  

While the industry minimum standard for public liability insurance cover is for million, there is growing demand for million public liability insurance policies.The sole purpose of tradesman’s public liability insurance is to protect the tradesman or sub-contractor against financial claims in the event of damage to a property or injury to people, other than employees, that have been caused by the tradesman or a member of the tradesman’s staff.

It is important to note that a contractor’s public liability insurance policy may not cover sub-contractors who may have been engaged for a job.  Even if the main contractor’s public liability insurance responds in the event of a claim for which the sub-contractor is liable, the contractor’s insurer may not recover the claim amount from the sub-contractor.Sub-contractors are deemed to be self-employed, and employers should always check that sub-contractors have their own current and adequate public liability insurance before allowing them to enter a job site.

When it comes to engaging labour hire workers, there are additional important issues that must be considered.  The key is to advise your public liability insurer when you engage labour hire staff so that proper provision may be made in the policy for them.If you are an electrician and you travel with your work, it is important to check that your public liability insurance complies with the requirements of your State Electrical Contractors Association as these conditions can vary from state to state.  

Search the internet to find out more about public liability insurance or to obtain an online public liability insurance quote specifically for tradesmen.Always refer to your Product Disclosure Statement for complete details.

Retrieved from “http://www.articlesbase.com/insurance-articles/public-liability-insurance-2915144.html”

(ArticlesBase SC #2915144)

Malcolm Nguyen -
About the Author:

Tradesman public liability insurance is essential for all tradies. Public liability insurance protects you financially if someone is injured or property is damaged as a result of your actions while at work.

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Tradesman public liability insurance is essential for all tradies. Public liability insurance protects you financially if someone is injured or property is damaged as a result of your actions while at work.

Related Public Liability Insurance Articles

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Taxi Base Insurance Cover And Employers’ Liability Insurance

Posted on 28th October 2010 in Employers Liability Insurance

Taxi Base Insurance Cover And Employers’ Liability Insurance

ChoiceQuote Insurance Services has been providing taxi insurance cover for 15 years and understands that sometimes more than just vehicle cover is needed for your business. That is why ChoiceQuote can also help your business to save money with a bespoke taxi base insurance policy.

ChoiceQuote Taxi Base Insurance Offers The Following Benefits:

Exclusive rates with premiums starting from as little as £262.50 including Insurance Premium Tax

Wide policy wording

Public & employers’ liability insurance with an option to include indemnity to Licencing Councils

All risks cover for PDA’s and other equipment used outside the office

Town centre risks considered

Buildings of a ‘non-standard’ construction considered

Cover is provided by Great Lakes UK. As a wholly owned subsidiary of the Munich Re Group, Great Lakes UK enjoys the Munich Re Group rating and provides first class security.

Did you know…..?

Every employer conducting any business in Great Britain (with a few exceptions) is required to take out and maintain insurance cover against liability for disease or bodily injury sustained by his or her employees arising out of their employment in Great Britain.

It is a criminal offence for an employer to fail to take out the required insurance. Criminal liability in the case of a company may be extended to any officer of the company who was responsible for the default.

The Health & Safety Executive (HSE) is responsible for enforcing the law on employers’ liability insurance and their inspectors will check that you have insurance in place with an approved insurer for at least £5 million*.

Failure to display your certificate of employers’ liability insurance or not making it available to HSE inspectors can result in a fine of £1,000.

*ChoiceQuote Policies provide £10,000,000 cover as standard.

ChoiceQuote Insurance Services is an independent insurance intermediary specialising in taxi insurance, taxi base insurance, taxi fleet insurance,commercial property insurance, motor trade insurance and car insurance.

Anthony is a commercial vehicle and property insurance consultant at ChoiceQuote Insurance Services.

USL&H, Maritime Employers Liability, Commercial General Liability for Oil Field and Marine Contractors and Vessel Operators is expensive. Commercial Insurance in the oil and gas and marine industry often a Grey area and you are never sure if you are getting the best price, or being told the correct information, or whether your agent is truly working on your behalf and if you have the right coverage! We offer over 30 years of experience in the Oil & Gas and Marine insurance industry. We work as consultants for contractors and businesses that need Longshore & Harbor and also Marine insurance. We can save you a lot Of Money by being on your side and knowing the markets and best deals available. We can manage your agent for you and make sure he is getting the best out of the market and truly working on your behalf. Our costs are easily covered by what we can save you if you are currently paying too much for your USL&H Insurance or maritime insurance. All you have to do is Give us a Call – 337-501-2301 or visit our site for more information www.uslhinsurance.org You Can even download a great free report with informaation that every Oil and gas contractor and marine contractor or vessel operator NEEDS to know. – created at http

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Commercial Van Insurance Covers

Posted on 30th September 2010 in Commercial Van Insurance
Commercial Van Insurance
by Shoreline

Commercial Van Insurance Covers

Whether you own a van that you use for commercial purposes or personal purposes, it is imperative to get a Van insurance policy for it. For those who use their vans for their business, getting insurance is even more important because their business depends a lot on their vehicle and the insurance gives them a sense of safety and security. As an added benefit, many companies also provide insurance for the contents of the van in the event of their being damaged or misplaced.

The type of insurance that you get would depend upon the size, model and value of your van, among many other things. It also depends on the range of damages and losses that you want to be covered by your policy. The most common types of vans for which companies offer insurance are Transit Vans, Courier Vans and Escort Vans.

There are three types of Commercial Van Insurances, varying with respect to the coverage for different kinds of Damages and losses. These three types are: Fully Comprehensive Insurance, Third Party fire and theft Insurance and Third Party Commercial Van Insurance.

The Fully Comprehensive Insurance Cover is the one which costs more than the other two because it is a full policy, and covers all types of risks that your van may encounter. The most noticeable things it covers are: the liability for death or injury to the people who are in the van, damages to the property of the other party, damages to your van in case of accidents, theft, vandalism, fire or burglary. The comprehensive cover of most of the companies also provides a Replacement van, and liability for personal possessions and other tools in the van. Legal and Medical expenses are also covered up to a specific amount, which varies with different companies. This cover is most suitable for Transit Vans as it provides safety for the vehicle, passengers and also the contents.

In the Third Party theft and Fire Insurance there is coverage for damages and losses caused by vandalism, accidents, fire, theft and explosions. Other than that it also provides coverage for the damages caused to third parties by your vehicle. Though this insurance gives complete coverage for the losses to the third party, the coverage criteria for your vehicle and driver depends on the cause of the damage. In this insurance, you would not be compensated for any damages if your van runs into a vehicle whose driver is not insured.

The Third Party Insurance provides cover only for damages to the third party. This is the least costly and most basic of all the insurances. This cover is ideal for van owners who think that the value of their van is not high enough for it to be insured. So this insurance saves money and also fulfils your minimum legal requirement of having an insurance policy for your commercial van.

Other than these covers, the optional covers like Replacement Van, Foreign Use and Increased Personal damage and increased third party theft are also available. You can use these covers with your basic cover by paying their additional cost.

Staveley Head is in the business with the speciality of highly qualified staff with various aspects of insurance such as van insurance and commercial van insurance to financially cover any unfortunate situations that your business may encounter.

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Picking A Van Insurance Policy For Your Van

Posted on 3rd September 2010 in Van Insurance
Van Insurance
by ChrisM70

Picking A Van Insurance Policy For Your Van

Picking A Van Insurance Policy For Your Van

There are more cars on the roads in the UK than vans. Therefore, cars insurance should be more complicated than van insurance, right? Wrong! The world of van insurance is split into a number of factions depending on the type of van and how you use it. Let’s run you through the various routes and highlight where you might want to look out for specific cover in the policy you decide to buy.

The basic structure of van insurance is the same as car and motorbike insurance – fully comprehensive, third party fire & theft (TPFT) and third party only (TPO). But within this, the various faction branch out and can effect which policy is most suited to you.

What do you use your van for?

The most common uses of vans in the UK is for business. Sometimes referred to as commercial vehicle insurance, this form of van insurance is probably the most important to get right as it’ll can affect the successful running of your company. Some business will use their vehicles (minibuses and taxis) to transport people. Others to transport their own equipment or goods for clients. These may sometime include hazardous materials. There may be secure company premises or your employees may take the vehicle home and park it on the street.

Each seemingly small detail here will determine the cover you should be including in your van insurance policy. Simply buying the cheapest policy serves the purpose of saving a few pounds. But when it comes to making a claim and you find you’re not covered for the theft, damage or personal injury costs, it’ll cost your company a whole lot more.

Fleet van insurance

Businesses obviously vary in size, and each will have a slightly different requirement for vans. If you’re operating more than one or two vans, it may be that a fleet van insurance policy is a more cost effective solution for you. You’re essentially buying in bulk and can make some savings on your premiums as a result.

Camper van insurance and personal use

If you’re not a business and simply drive a van as your chosen form of transport (camper vans being one of the more popular options), you can do without a lot of the cover which is included in a commercial van insurance policy. You’re more likely to treat the van better and drive is better, resulting in lower premiums more in line with a car insurance policy.

Short term van insurance

If you’re simply borrowing a van for a short period – to move house for example – you don’t want to go to the fuss of arranging van insurance in the traditional way. You’ve basically got two options. Firstly, you could be added as a named driver to the owners existing insurance policy (for a small administration fee). Or secondly, you could take out a temporary van insurance policy (for a small premium reflecting the short term).

Whatever your insurance needs, it’s important to get to your best van insurer as quickly as possible. Using one of the online van insurance comparison websites is your best bet. They can save you tons of phone calls and hours of form filling and you can compare companies in one place.

Harvey is passionate about getting you the best insurance deals possible.

If drivers who have taken a drivers education or safety course have fewer accidents, an insurer may discount that. Likewise, some cars are cheaper to repair, or do not get involved in high claims accidents. Those vehicles will cost less to insure. Insurance companies try to use their past…

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Professional Indemnity Insurance Explained

Posted on 19th August 2010 in Professional Indemnity Insurance Quote

Professional Indemnity Insurance Explained

Professional Indemnity Insurance provides essential financial protection for a wide range of professional advisers including accountants, engineers and computer consultants. In the event that a client suffers financial loss as a result of alleged neglect, error or omission professional indemnity insurance will meet the cost of defending claims and any damages payable.

Any person who gives advice, designs, or offers similar services in a professional capacity is seen by clients as an expert. In these times of high consumer awareness, clients will not hesitate to pursue a claim if they feel that they have received sub-standard service. The need for professional indemnity insurance has never been greater.

While some professional people see professional indemnity insurance as an expensive and unnecessary overhead, we know from experience that any professional can produce substantial claims. Court awards have risen sharply in recent years. Without insurance, the financial security of a business is threatened. The following examples highlight the importance of professional indemnity insurance:

A business wished to be known by a particular trade name. After consulting with company registration agents, it was told that there was no objection to its chosen name. Proceedings were issued by a company with a similar name and £20,000 was paid in connection by the agents.
Detailers prepared structural drawings for the erection of steelwork. It was subsequently alleged that the drawings contained errors and £110,000 was claimed for the costs of alteration and the resulting delays in construction.
An auctioneer sold property at auction over a number of years. It was alleged that the property was stolen and a claim for £250,000 was brought for conversion.
It was alleged that consulting engineers were negligent in their design of waste heating boilers. A claim for £4m was brought for the cost of extra work and the resulting delays.
An estate agent missed the opportunity to carry out a rent review because of a defective rent review notice. The claim was settled for £50,000.

We are happy to provide professional indemnity insurance quotes for the UK or anywhere else in the world. So please visit Professional Insurance Agents where you can get an instant online quote and be on cover in a matter of minutes.

Professional Indemnity Insurance (PI) is compulsory for most professional businesses and services. We are a specialist indemnity insurance broker, based in the UK able to offer cover worldwide.

www.BizCover.com.au Professional Indemnity insurance. Get a free quote online from leading insurers like AIG, Dual & Vero. Compare, Select & Buy Professional Indemnity (PI) insurance Online.
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