A client claim may come as a bit of a shock, but you can be prepared for it nonetheless. They might feel that they have suffered a financial loss because of an error or omission in your advice or consultancy, or you might have made a mistake in your work in design, installation or testing, for example.
If you do make a mistake and you have a professional indemnity policy in place, your insurers will review the position and either meet your claim if they conclude that you are responsible, or cover the costs in defending the claim if they feel you were not.
We have many years experience in this area at CJ Insurance and are confident not only in sourcing the right policy for you, but assisting you with the completion of often lengthy and daunting proposal forms.
Professional indemnity cover is different to most other types of cover. It is arranged on a “claims made basis” so it is the policy in force at the time the claim is reported that deals with the claim, irrespective of when the actual loss occurred.
Cover limits and policy wording vary and can be complex, but the experienced team at CJ Insurance will be able to make clear where there are areas of potential risk in your work, and how these can be covered with adequate protection, so you are ready for any claims and free to focus on your work.