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

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