Overview
From accountants to publishers and surveyors to recruitment consultants, these professions and many more strive to provide their clients with the best advice, designs and/or service possible at all times.
But sometimes things go wrong and legal action could arise simply from the client’s perception of negligence, culminating in potentially ruinous financial consequences.
We are an independently recognised, leading PI Underwriting Team with a long-standing presence in the PI market. Our PI products are available through both our Company and Lloyd’s platforms, offering flexibility to find the best solution for our clients.
What do we cover?
We offer tailored PI insurance to cover the costs of:
- Legal and/or regulatory hearings, including defence costs, and
- Damages or settlements
We understand that policyholders don’t just want a list of their policy’s features. They want the reassurance that their business is protected should the worst happen.
✓ No cap on US turnover % for UK domiciled businesses
✓ Dishonesty Cover
✓ Mitigation cover for faults identified during an ongoing construction project
✓ Collateral Warranty Service
Who do we insure?
We have a broad underwriting appetite with profession specific wordings created for the unique risks faced by our policyholders. Due to their common business and risk characteristics, we categorise professions into four core groups: Construction, Traditional, Miscellaneous and Media.
Construction
Our underwriters are highly specialist in this space with expert knowledge of the market. We look to cover niche engineering firms, architectural practices and well-established contractors:
- General building contractors
- Office Fit Out
- Interior Designers
- Facilities Manager
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- Architects
- Building Services Engineers
- Heating, Ventilation, Mechanical and Electrical Engineers
- Specialist Engineers (excluding Civil and Structural Engineers)
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Read our recent article on Insurers’ role amid perfect storm battering the UK construction sector.
Traditional
The traditional professions are characterised by those who give advice for a living. Our PI cover not only complies with all the traditional professions’ minimum requirements but is also available in dedicated wordings tailored to the unique needs of many of the practitioners:
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- Insolvency Practitioners
- Surveyors
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Miscellaneous
As its name suggests, this is for all the other professions which provide a service and/or advice to clients. It consists of the occupations which are, relatively speaking, newer than the Traditional and Construction sectors:
- Asbestos Consultants
- Auctioneers
- Estate Agents
- Event Organisers
- Health & Safety Advisors
- Interior Designers
- Local Authorities
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- Loss Adjustors/Assessors
- Management Consultants
- Property Managers
- Recruitment Consultants
- Trade Associations
- Training & Education Organisations
- Translators
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Media
Media Liability comprises various professions whose core aim is to reach their audience through a variety of channels and formats. Cover is for the content and also the means through which that content is delivered:
- Broadcasters
- Publishers (Newspaper/Book/Magazine)
- Talent Agents
- Market Research
- Advertisers
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- Graphic Design
- Event Organisers
- Digital Marketing
- Communication Technologies
- Film & TV Production Companies
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Read our recent article on SLAPP legislation changes and the insurance industry.
"Joe Wornham and CNA Hardy have been a breath of fresh air to the media sector, turning new quotes around quickly and taking on trickier risks. Their quote format is easy to understand and the various policy wordings are also easy for brokers and clients to understand. Joe has vast experience in Media E&O and that shows when dealing with the higher risked submissions. His question set and willingness to discuss his concerns over with the broker, client and lawyers is extremely helpful. Because of these Joe and CNA are considered by AJG as a market leader in Media E&O."
Director of European Operations, Gallagher Entertainment