THIS IS A PRODUCT OFFERED THROUGH EDGE PLACEMENT SERVICES
(ie. IT’S NOT OUR BINDER AND WE ARE NOT ACTING FOR THE INSURER)
The Edge
Claims
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The ability to settle valid claims quickly and fairly in a human way is central to our market’s business philosophy, and their claims handlers are empowered to exercise their professional judgement to deliver an exceptional customer service.
Please contact us in the first instance on any PI claims matter.
* 100% Lloyd’s security
* 100% LLOYD’S SECURITY
* COMPREHENSIVE LEGAL COVER
The policy provides full civil liability coverage and covers the costs incurred attending court sessions in relation to a claims or loss case covered by this policy. The cover can be extended to include cover for suits brought in the US or Canada.
* CONTRACTUAL LIABILITY
Clear, unambiguous cover for breach of a client contract. The policy covers sums which you become legally obliged to pay as a result of a claim by a client made against you, including liability for claimants’ costs and expenses.
* FULL POLLUTION LIABILITY
This feature covers both sudden as well as accidental and gradual pollution, which is an important concern for geologists and environmental engineers and an increasingly important exposure as environmental regulations become stricter and more complex.
* INTELLECTUAL PROPERTY RIGHTS INFRINGEMENT
The policy covers costs associated with copyright and trademark infringement claims being brought against you, including legal costs, damages, settlements and counterclaims.
* WITHHELD FEES COVER
Claims can quickly spiral out of control and incur a significant cost to the business or individual. That’s why the policy includes reimbursement of costs incurred to help reduce or avoid a claim, as well as the payment of fees withheld by an aggrieved client if this mitigates a potentially larger claim.
* REPUTATION & BRAND PROTECTION COVER
We will look to pay costs and expenses of up to a specified sub-limit for the services of a public relations consultancy to mitigate damage to reputation and brand following a claim otherwise covered under the policy.
* VIRUS & HACKING LIABILITY COVER
Most businesses hold sensitive data entrusted to them by their clients. Losing this data as a result of a hack attack or computer virus can lead to potential liability and significant brand damage. In order to address this emerging risk, we have designed a specific module of cover that provides explicit protection.
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Target Risks
Our Market Loves Our Market Can’t Do
CONSTRUCTION:
FULL D&C:
electrical, mechanical, HVAC contractors, interior designers/fitout
PROJECTS:
Residential homebuilders (but not high-rise or property developers)
TURNOVER:
Where the design service is in house, turnover cap is $1m.
Where the design service is contracted out, turnover cap is $10m
design only – we would use the A&E (Architects & Engineers) product
ENGINEERS:
civil, chemical, biomedical, fire prevention & protection, component, fuel cell, structural, geotechnical, mining, geological, marine, aerospace mechanical (vehicles), automotive, nuclear
PROJECTS:
Non-Resi (other than: electrical, mechanical, HVAC, interior), Resi High Rise, Anything mentioned in Engineers above.
TURNOVER:
Turnovers in excess of those shown under “Our Market Loves”
THIS IS A PRODUCT WE WHOLESALE THROUGH MARKETS IN LONDON
(IE. IT’S NOT OUR BINDER AND WE ARE NOT ACTING FOR THE INSURER)