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If you are alleged to have provided inadequate advice, design or services that subsequently causes your client to lose money, your PII covers the costs and expenses of your defence and the damages and costs awarded. A PII policy is written on a ‘claims made’ basis, which means that for the policy to be effective […]
Many contracting businesses who do not specifically design anything for a fee will be unaware of the potential risks they may face in not carrying Professional indemnity cover. In the increasingly litigious society we live in, where it would seem that everyone wants someone to blame, should you consider cover just to protect yourself if […]
The basis of disclosure in insurance contracts has basically remained unchanged for around 100 years, however on 12th August 2016 the Insurance Act 2015 will introduce changes in this area. The Act’s new regime will require all proposers to make a “fair presentation of risk” to their prospective insurers rather than the current common law […]
