Insurance

Professional indemnity insurance

I maintain professional indemnity insurance to protect against certain claims arising from the professional services I provide.

My cover includes:

• £1,000,000 limit of indemnity in the aggregate, including all costs
• £100 excess for each claim or loss, including all costs
• Worldwide geographical cover
• Applicable courts worldwide, excluding the United States of America and Canada
• A retroactive date of 1 April 2024
• Personal data claims covered up to £250,000 in the aggregate, including all costs and within the overall limit

Claims brought in the United States of America or Canada are not covered.

Cyber and data insurance

I maintain cyber and data insurance to protect against certain cyber incidents, data breaches, losses, claims and regulatory investigations.

My cover includes:

• £100,000 overall limit of indemnity in the aggregate, including all costs
• £1,000 excess for each covered claim or loss, including all costs
• Worldwide geographical cover
• Worldwide applicable courts
• Data recovery costs and reputation protection within the overall limit
• Directors’ personal cyber cover up to £10,000 in the aggregate
• Repeat-event mitigation costs up to £25,000 in the aggregate

Cyber business interruption, losses resulting from crime and cyber property damage are not included in my current cover.

The cyber excess may be waived for losses arising from an actual or reasonably suspected data breach reported within 72 hours of first awareness, subject to the applicable policy terms and exceptions.

Crisis containment

My insurance also includes crisis-containment cover.

This provides:

• Cover up to £25,000 for each crisis and in the aggregate
• Cover within the United Kingdom, Isle of Man, Channel Islands and Republic of Ireland
• Up to £2,000 for discretionary crisis-mitigation costs incurred outside working hours, within the overall limit

Important information

This page provides a general summary of my insurance arrangements.

It is not an insurance certificate and does not amend or extend my policy. Whether a particular incident, loss or claim is covered will depend on its circumstances and the applicable policy terms, definitions, exclusions, conditions, excesses, limits and notification requirements.

If there is any difference between this page and my policy schedule, certificates, endorsements or full policy wording, the insurance documents take precedence.

My insurance does not replace any contractual allocation or limitation of liability agreed between me and a client.

Evidence of insurance

I can provide evidence of insurance to clients or prospective clients where reasonably required for a legitimate business purpose.

Documents may be redacted where necessary to protect personal, commercial or security-sensitive information.

If you have any questions about my insurance arrangements, please contact me using the details provided on this website.