Cover At A Glance
High level summary only, please see the policy wording for details.
D&O cover for individuals
- “Any One Claim Limit” for all policy modules
- Investigations and preclaim inquiry costs for individuals
- Civil fines and penalties
- Personal Liabilities for Corporate taxes
- Lifetime Run Off cover for retired or resigned individuals
- Mitigation costs
- Assets and liability cover including extradition
- Emergency costs
- Affirmative insolvency hearing cover
- Affirmative Corporate manslaughter cover
- Reputation expenses
Entity Cover
- Corporate wrongful acts
- Health and safety investigation and proceedings costs
- Corporate Manslaughter costs
- Company Regulatory Crisis Response
- Defence costs for bodily injury and property damage claims
- Defence costs for Pollution claims
- Defence costs for breach of contract claims
- Defence costs for any claim seeking fines and penalties against the company
- Crisis Event Public Relations Expenses
- Identity fraud
Crime (optional module)
- Cover for fraud or dishonesty committed by an employee
- Cover fraudulent acts committed by any other person
- Care custody and control cover
- Fees, costs and expenses to defend a claim resulting directly from a covered financial loss
- Fees, costs and expense of an Investigative Specialist
- Damage Destruction or Disappearance of Money or Securities
- Impersonation Fraud
- Fund Transfer Fraud
- Worldwide cover
- Any single claim basis of cover
Employment Practices Liability (optional module)
- Wide definitions of employee and employment practices violation
- Third Party Violation cover – harassment or unlawful discrimination of a third party
- Employment Practice or Third Party Violation committed by employee using internet
- Worldwide cover
- Retention waiver if legal panel member is engaged by client
- Any single claim basis of cover
Pension trustee and Employment Benefit Plan Liability (optional module)
- Cover for the Insured Person, Company, Plan and Corporate Trustee
- Any past or present Employee Benefit or Welfare benefit plan established by Company
- Any past or present Pension Plan established for Company employees
- Contribution Notice Cover
- Civil fines & Penalties
- Pensions Ombudsman’s cover
- Third Party Pursuit cover
- Loss of documents cover
- Corporate Professional Trustees Extension
- Lifetime run off for Retired or Resigned Trustees
- Any single claim basis of cover
Security Response (optional module)
We will pay the fees and expenses incurred for the security services of experts in response to a crisis including:
- Crisis Consultants fees and expenses - £100,000 per Insured Event and in the aggregate
- Extra Expenses - £5,000 per Insured Event and in the aggregate
- Rest and Rehabilitation Expenses - £5,000 per Insured Event and in the aggregate