Accident/Miscellaneous

Employers liability
This policy covers your legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out of the course of his or her employment.

Public liability
This policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from: accidental death of or bodily injury due to illness or disease contracted by and accidental loss of or damage to property belonging to members of the public arising anywhere in connection with their business.

Burglary
This policy covers loss or damage to property contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of theft or any attempt threat up to stated limits.

All risks
This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.

Fidelity guarantee
This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee(s) which results in dishonest personal financial gain for the employee(s) concerned.

Group personal accident
This policy covers accidental bodily injury/death to the insured employee caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.

Individual personal accident
This policy covers accidental bodily injury/death caused solely through external violent and visible means to individuals (whether employed or not).

Money
This policy covers loss of money belonging to the insured whilst such money is in transit or on the insurers’ business premises. It may also cover:

  • Loss of damage to safes and/or strong rooms used for the storage of money resulting from theft or any attempt there at and
  • Loss of money arising from a hold up, robbery or any attempt there at.


Professional indemnity
This policy indemnifies against legal liability for damages and claimant’s costs and expenses in respect of claims for breach of professional duty.

  • First made against you by reason of any neglect, error or omission
  • Occurring or committed in good faith and in connection with the conduct of the practice.

Glass
This policy covers loss of or damage to glass situated at the insurers premises, the property of the insured.

Medical malpractice
This policy covers the insured against their legal liability to pay compensatory damages (including claimants’ costs and defence costs) for bodily or mental injury to, illness, disease or death of any patient caused or alleged to be caused or alleged by malpractice arising out of the business/profession.

Directors and officers liability
This policy covers the insured against legal liability for loss/damage resulting from any wrongful act of the insured staff in their capacity as director, officer or employee of the company except as specifically excluded.

Customer protection
This policy covers the hire purchase companies for goods, which are the subject matter of a hire purchase agreement against loss or damage by accident or incident arising from fortuitous circumstances not specifically excluded.