For all professionals providing advice &/or services, from Accountants to Zen instructors, trade carries the associated risk of allegations of negligence, wrongful acts, errors or omissions, libel & slander, breach of confidentiality and a host of other originating causes.

Society is becoming evermore litigious and the threat of legal action is made even in the most spurious of circumstances. No matter how spurious, the cost of a legal defence can be catastrophic and that is prior to any possible subsequent settlement cost.

We are able to provide specialist products to all professions; including:

Accountants
Architects
Advertising agencies
Charities & associations
Consultants
Engineers
Insurance brokers
IT consultants and companies
Management consultants
Marketing and media
Medical practitioners – See Medical Malpractice Insurance
Recruitment consultants
Solicitors
Surveyors

A standard professional indemnity policy provides coverage for the firm or company, its employees, and usually extends to cover sub consultants employed or acting on behalf of the firm.

The policy provides coverage for claims against the firm or an individual, alleging breach of professional duty.

Standard policies are "negligence" policies specifying that the policy responds to claims arising from negligent acts errors or omissions. Some broader policies provide cover for full "civil liability".

Legal costs are incurred in defending a claim as described above. The written agreement of insurers usually needs to be granted before costs are accepted as covered.

Depending on the scope of cover other elements of professional risk are covered, either automatically, or as extensions to the policy. These include:
  • Libel & slander.
  • Liability for loss of documents.
  • Breach of confidentiality.
  • Breach of copyright (unintentionally).
  • Liability arising from dishonesty of employees.
  • Breach of warranty of authority.
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Edward Howard Insurance Services Ltd. is authorised and regulated by the Financial Services Authority. FSA Reference Number 306921 Registered in England. Company No. 3520697