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Commercial Plans

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Office Pack

Professional Indemnity

Directors & Officers Liability Insurance


 

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Office Pak
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Such insurance policies normally provide comprehensive business cover in a single policy. Primarily designed for offices, clinics and home-based businesses.

Office Pak

A combined policy is a manageable and cost effective way to safeguard against all aspects of a business risk. Policies are tailored to individual company needs, but typically include cover for:

  • Employers liability - if your business employs any staff, including part-time staff or trainees.
  • Public and products liability - when your business involves contact with the general public there is a risk that a claim may be made against you.
  • Property damage - protect your premises, fixtures, equipment and money against loss, destruction or damage.
  • Business interruption - cover against loss of profit should you be unable to trade following loss or damage to your property.
FirstUnited is an independent broker, which means that we aren't tied to any particular insurance provider. Instead, we have access to many policies selected from leading insurance companies, and are committed to finding the policy that best suits your needs.

For a competitive quote, just contact us or Tel: 2131 9000 to speak directly to an advisor.

 

Professional Indemnity Insurance
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Professionals may owe a duty of care to anybody who might reasonably rely upon the service or advice they have provided. In today's commercial world, clients expect high standards of service and are more inclined to resor t to litigation when such standards have not been met.

Professional Indemnity

Professional Indemnity insurance covers your legal liability arising from your professional services in the event that a third par ty claims to have suffered a loss as a result of your professional negligence.

Professional Indemnity insurance is designed to provide protection against such claims, providing an indemnity for damages which are awarded against your business, for legal costs in defending the claim and for costs that may be awarded against you should your defence prove unsuccessful.

Any business or person who provides services such as advice, design, or offers their skills or knowledge in a professional capacity should consider Professional Indemnity insurance.

In addition, some professions are required to hold Professional Indemnity insurance as a legal requirement or as a result of their professional authorisation. This includes investment services providers, financial advisers, insurance brokers, engineers and notaries.

For a competitive quote just contact us or Tel: 2131 9000 to speak directly to an advisor.

pdf Click here to view our Professional Indemnity for Pharmacists and Pharmacy Risks Insurance Proposal Form.
pdf Click here to view our Professional Indemnity Insurance Risk Fact.

 

Directors & Officers Liability Insurance
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Directors and officers walk a tightrope every day, making decisions involving complex transactions and based upon diverse and sometimes ambiguous information.

Driving company profits and growth and maintaining compliance with an ever growing array of legislative requirements, regulators are strengthening enforcement effor ts and tightening corporate governance requirements to raise the levels of board accountability; where a director or officer is perceived to have made a judgement or a decision negatively impacting business, they can be implicated and held personally responsible.

Claims can be brought by anyone with an interest in the affairs of the company; regulators, statutory authorities, shareholders, other directors, employees and in the case of insolvency, creditors, liquidators and administrators.

Despite the best business judgement, qualifications and experience, they are exposed to litigation that may allege a failure to perform their management role. This could ruin reputations, damage careers or result in endless cour t battles and mounting legal bills which in turn can lead to losing personal assets and devastate the individual's personal wealth.

Smaller sized businesses can be just as vulnerable to claims as larger companies. The directors of smaller companies face similar legal responsibilities and exposures as those working for a large listed company.

For small businesses, directors are often the sole or major director or shareholder and most will not have the resource to defend a claim which may put their business in jeopardy. Many directors incorrectly believe that they are protected by the limited liability status of their company.

For a competitive quote just contact us or Tel: 2131 9000 to speak directly to an advisor.

pdf Click here to view our Directors & Officers Liability Insurance Risk Fact.
 
 
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