Professional indemnity insurance provides coverage for bodily injury, property damage and / or financial loss resulting from the insured’s professional services, whether actual physical work or advisory consulting. HELP professional indemnity insurance can address your liabilities.
General liability insurance can encompass a range of cover for third parties including bodily injury and property damage. General liability is required to be held to be contractually compliant and the HELP team have considerable expertise in helping companies operating in hostile environments and conflict zones to arrange the right level of cover.
Employers’ Liability insurance provides coverage related to allegations of negligence in the standard of care provided by an employer. This is particularly relevant where Defense Base Cover is not applicable. Underlying Personal Accident, Sickness, on-site medical care, local evacuation and repatriation coverage should be purchased separately and be in place to fulfil duty of care responsibilities and mitigate employee lawsuits following sickness, injury or death.
Directors’ and Officers’ Liability
In recent years much of the responsibility for lawsuits arising from decisions made within an organisation has shifted to the individual. For this reason, it is critical as an employer to understand the risks associated with the decisions your employees, board members and officers make on behalf of your organisation. We are able to help your firm arrange directors and officers liability insurance which is designed to provide your directors and board members with protection against personal liability claims.Whilst operating in high risk areas your key staff need protecting to give them the confidence that their decision-making has the backing of your company or organisation. The HELP team can assist you to develop a policy based on your exacting requirements
Keeping data secure is vital for your operations – putting a cyber and data risks insurance policy in place means you are protected. Cyber liability insurance is designed to ensure your business is protected against cyber-crime including fraud, data theft and social engineering and may also cover data breaches. Insuring against cyber-crime and data risks means you are protected against new and existing threats, but the HELP team may also assist you with the practicalities of getting experts to restore systems, recreate data and deal with any demands being made where data is stolen.
Coverage can be extended to include failure to prevent transmission of viruses and other malicious code from computer systems to third party computers or systems.
Keeping client data safe, making sure online transactions are secure and complying with the changing legislation around digital transactions and communication and GDPR legislation is complicated. It is easy to make mistakes or miss things. If you are worried about cyber security get HELP.
Auto and Products/Completed Liability
Product liability insurance works as part of your public liability cover to give you an extra layer of protection if someone complains about a specific product. Product liability insurance is useful in the security sectors where it protects you when someone makes a claim for injury or damage caused by a product you are involved with. You may be the manufacturer, the supplier or you could operate only in a particular jurisdiction, wherever you are in the life cycle, you could still be faced with a claim.
An insurance covering reputational damage generally covers the company’s loss of profits and may offer financial support for crisis management. A reputational crisis can deal a devastating blow to client confidence and the acceleration and amplification of shocking news through social media demands an urgent and coordinated response. The HELP reputational risk solution can address the entire life cycle of a crisis.
Infringement and Multi-media – Personal and Advertising Injury
Within the HELP facility coverage can be provided for false arrest, detention, invasion of privacy, infringement of copyright, libel or slander of another person or organisation, legal defence costs from lawsuits that claim false, malicious or misleading statements in advertisements, promotional materials or websites.
Note that all coverages are the exclusive responsibility of the issuing Lloyd’s insurers and are subject to the terms, conditions, exclusions and limitations of the policy forms and endorsements, which shall in all cases control irrespective of the general descriptions of coverage provided above. Please consult your insurance broker or contact the HELP team