Indemnity to the insured against legal liability under Common Law, for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for damages and claimant’s cost and expenses of litigation as well as costs and expenses incurred by the insured with the company’s written consent.

This policy indemnifies the Insured against any sums for which the Insured becomes legally liable as a direct result of any negligent act, error or omission made by him during the performance of his duties as a professional man/woman (e.g. engineers, architects, lawyers, accountants, etc.). Indemnity will be provided by following the limits, conditions, and activities defined in the policy. The relevant proposal form has to be completed by the client and be submitted to the Insurers for proper assessment of risk.

Indemnity to the insured (or in the event of his death, his legal personal representatives) for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for:

1. Accidental death of or bodily injury to or disease contracted by any person.
2. Accidental loss or damage to tangible property happening on or after the retroactive date stated in the schedule within the territorial limits.

The amount payable under this extension inclusive of any legal costs recoverable from the insured by a claimant or any number of claimants, and all other costs and expenses incurred with the company’s consent, for any one event or series of events with one original cause or source or during any one (annual) period of insurance, shall not exceed in the aggregate the limit of indemnity for this extension stated in the Schedule.

This policy covers directors and officers (and the Company itself where it is legally permitted to indemnify its Directors and Officers) for any wrongful acts committed in their capacity as directors and officers of the Company. The Policy is written in two sections as follows:

The Directors and Officers Liability Section indemnifies the Directors and Officers in respect of any “Wrongful Act” committed in their capacity as Directors and Officers of the Company, where the company is not permitted (either legally or by its articles of association) to reimburse them.

Indemnity to the insured against legal liability under Common Law, for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for damages and claimant’s cost and expenses of litigation as well as costs and expenses incurred by the insured with the company’s written consent.

Cover provided is bodily injury by accident or disease to employees of the insured caused on or after the retroactive date stated in the schedule within geographical limits and arising out of and in the course of employment by the insured in the Business and directly related to negligence on each of Common Law, or statutory duty by the Employer.

This policy covers the liability of a Medical Practitioner or a Medical Institution arising out of their negligence whilst performing their professional duties. Submission of a duly completed proposal form is required to obtain terms for this cover.

The company reimbursement section covers the Company only in respect of any reimbursement that it is required, or permitted by law to make to its directors and officers against whom legal action has been sought