BUSINESS INSURANCE • BURNLEY & BEYOND
Advice, designs and specialist services can influence a client’s decisions. Professional indemnity insurance can help address covered claims alleging that your work caused financial loss. Start with a clear description of the services you provide.
Tell us what your business does, what has changed and when you need cover.
Call 01282 348494 or use the quote link to contact our team.
The title of your profession rarely tells the whole story. Describe your deliverables, the sectors you work in and whether you supervise, certify or approve someone else’s work. Our Burnley team can help you discuss the relevant activities and contractual requirements.
Discuss claims alleging mistakes, omissions or negligent professional services. The activities declared to the insurer need to reflect the work you undertake.
Available cover may address legal defence costs and compensation for insured claims. Check how costs interact with the limit, the excess and any insurer-consent requirements.
Share requested limits, contract wording and the countries involved. A client’s request for insurance does not establish that every contractual obligation is insurable.
Contact your broker or insurer promptly and follow the policy’s reporting requirements. Keep the correspondence and relevant project records. Do not wait for court papers or assume that a complaint is too small to mention; ask how the circumstances should be handled.
No. They address different types of exposure. Discuss both where you advise clients and also work at their premises or interact with the public.
No. The allegation, services insured and policy terms determine the position. A disagreement about fees or commercial performance should not be assumed to be covered.
Discuss the timing, past work and any continuing obligations before making the change. Ask about the implications for future claims relating to earlier services and any run-off options.
Explore the questions to raise alongside your professional indemnity review.
Explore the questions to raise alongside your professional indemnity review.
Own a let property or commercial building? Property Owners Insurance is a core strength at Umbrella. For the wider range, visit our business insurance guide.
HERE WHEN YOU NEED US
Share your business details, current cover and renewal date. We’ll help you prepare a useful enquiry.
Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. We’ll explain the options available for your circumstances.