What is member to member liability insurance?

When arranging liability cover for a group or club member to member liability is a consideration but what is member to member liability insurance and is it automatically included in to group insurances? Public liability insurance for groups, societies, clubs and other...

What is Design and Construct Professional Indemnity Insurance?

Design and Construct professional indemnity insurance is a specific type of professional indemnity designed to protect the professional activities of all types businesses within the contracting industry. Do I need Design and Construct Professional Indemnity insurance?...

Insurance is an Essential Risk Management Tool for Small Business

In order to consider why insurance is an essential risk management tool for small business we need to understand the true nature of insurance. It is so well woven into our daily lives that we probably do not always recognise insurance for what it actually is. It is a...

What is Strict Liability?

Many businesses will be aware that in the general course of trading they may be faced with actions against them in respect of strict liabilities arising from the operation of their business but what is strict liability? Strict liability can arise in both civil and...

What is a Queen’s Counsel Clause?

Many professional indemnity insurance policies contain a Queen’s Counsel Clause, or QC Clause and whilst the clause is not exclusive to professional indemnity policies it is here that the clause is most common usage largely in view of the nature of the...

New Business Start Up Insurance

When starting a business expenditure is always a major issue and it is a typical error to dismiss business insurance expenditure in the early days as an unnecessary overhead that places a monetary burden upon the business when it can least meet the expense of it....
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