Professional Indemnity Insurance Policy Excess
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- Pamela Harrison
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1 Professional Indemnity Insurance Policy Excess 1
2 Our Regulatory Status This insurance is underwritten by Allied World Assurance Company Limited. Allied World Assurance Company Limited and Allied World Assurance Company (Reinsurance) Limited are regulated by the Central Bank of Ireland and are incorporated in Ireland as Private Limited Liability Companies having their registered offices at 3rd Floor, Georges Quay Plaza, Georges Quay, Dublin 2, Ireland (Reg. No. s & ), and having their registered branch offices at 19th Floor, 20 Fenchurch Street, London, EC3M 3BY (Branch Reg. No.'s BR & BR008351). Allied World Assurance Company Limited is a member of the Financial Services Compensation Scheme (FSCS). Compensation under the scheme for insurance advising and arranging is covered for 100% of the first GBP 2,000 (or an equal amount in the currency applicable to this Policy) and 90% of the remainder of the cost, without any upper limit. However for risks incepting on or after 1st January 2010, compensation under the scheme for insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further Information about the compensation scheme arrangements is available from the FSCS or by visiting the FSCS website at How to Complain We intend to provide an excellent service to you, however, we recognise that there may be occasions when you feel that this has not been achieved. If you are unhappy with any aspect of the service that you receive, please contact either your insurance broker or President Allied World Assurance Company Ltd 19th Floor, 20 Fenchurch Street London EC3M 3BY Please state the nature of your complaint, the Policy and/or claim number. Having taken this action, if you feel that your complaint has not been handled satisfactorily, you may seek assistance from The Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall London E14 9SR Telephone enquiries@financial ombudsman.org.uk Website ombudsman.org.uk The Financial Ombudsman Service will become involved if you are an eligible complainant as defined by the rules of the Financial Services Authority. The existence of this complaints procedure does not affect any right of legal action you may have against Allied World Assurance Company Limited. 2
3 Claims Notification Clause (50% of Underlying) It is agreed that this Policy is amended by adding the following: It is understood and agreed that: You shall give Us written notice as soon as practicable of: (i) any Claim made against You or any loss during the Period of Cover; or (ii) any circumstances occurring during the Period of Cover which might reasonably be expected to give rise to a Claim or loss; provided always that such written notice is given to Us during the same Period of Cover. Any such Claim or loss which is notified under above and any subsequent Claim or loss arising out of circumstances notified under above shall in each case be deemed to have been made or suffered during the Period of Cover. Provided that no notification hereunder shall be required unless and/or until the quantum or reserve in respect of such Claim or loss is 50% or more of the underlying Limit of Indemnity. Except as otherwise provided in this endorsement, all terms, provisions and conditions of this Policy shall remain in full force and effect. EXCESS OF LOSS (AOC) THIS IS A CLAIMS MADE POLICY OF INSURANCE We agree to indemnify You for any claim first made against You during the Period of Cover up to this Policy's Limit of Indemnity (as specified in the Schedule at item 4), excess of the Primary/Underlying Policy(ies) Limits (as specified in the Schedule at item 5) of the Underlying Policy(ies). 1. Our liability to pay under this Policy shall not attach unless and until the insurers of the Underlying Policy(ies) shall have paid or have admitted liability or have been held liable to pay, the full amount of their indemnity under the Underlying Policy(ies). 2. It is a condition of this Policy that the Underlying Policy(ies) shall be maintained in full effect during the currency of this Policy, except for any reduction of the limits contained therein solely by payment of claims or legal costs and expenses incurred in the defence or settlement of such claims. 3. If by reason of the payment of any claims or legal costs and expenses by the insurers of the Underlying Policy(ies) during the Period of Cover, the amount of indemnity provided by such Underlying Policy(ies) is: partially reduced, then this Policy shall apply in excess of the reduced amount of the Underlying Policy(ies) for the remainder of the Period of Cover; and/or totally exhausted, then this Policy shall continue in force as the underlying policy until the expiry 3
4 hereof. 4. In the event a claim is brought against You for which We may be liable to contribute, You agree not to admit liability for or settle any claim, make any admission, offer payment or assume any obligation in connection with any claim, or incur any costs in connection with any claim, without Our written consent being first obtained by You. We shall not be liable for any settlement, costs, admission, offer, payment or assumed obligation without Our written consent. 5. It is agreed that: You shall give Us written notice as soon as practicable of: (i) (ii) any claim made against You, or any Loss, during the Period of Cover; or any Circumstances occurring during the Period of Cover, provided always that such written notice is given to Us during the same Period of Cover. Any such claim or Loss which is notified under (i) above and any subsequent claim or Loss arising out of Circumstances notified under (ii) above shall in each case be deemed to have been made or suffered during the Period of Cover. Notification is deemed to have been made only when received in writing by Us or the nominee, if any, named in an Endorsement to this Policy. 6. All recoveries or payments recovered or received subsequent to a loss settlement under this Policy shall be applied as if recovered or received prior to such settlement and all necessary adjustments shall then be made between You and Us provided always that nothing in this Policy shall be construed to mean that loss settlements under this Policy are not payable until Your ultimate net loss has been finally ascertained. 7. Except as otherwise provided herein, this Policy is subject to the terms, exclusions, conditions and definitions of the Underlying Policy(ies). No amendment to such Underlying Policy(ies) during the Period of Cover shall be effective herein until agreed to in writing by Us. 8. If You knowingly make any false or fraudulent request in respect of any claim, as regards amount or otherwise, this Policy shall become void and all entitlements to payment in respect of any claim shall be forfeited. 9. You undertake that the Premium will be paid in full to Us by payment of the Premium by Your broker(s) by the date set out in the Schedule at item 8. (c) If the Premium under this Policy has not been paid to Us by the date set out in the Schedule at item 8, We shall have the right to cancel this Policy by notifying You via Your broker(s) in writing. In the event of cancellation, Premium is due to Us on a pro rata basis for the period for which We were on risk, but the full Premium shall be payable to Us in the event that You notify Us of any claim or circumstance likely to give rise to a Loss which is covered by this Policy. It is agreed that We shall give You not less than 5 days prior notice of cancellation to You and/or Your broker(s). If the Premium due is paid in full to Us before the notification period expires, notice of cancellation shall automatically terminate at the end of the notice period. 10. In this Policy, the following definitions apply: 4
5 Circumstance means an incident, occurrence, fact, matter, act or omission that might give rise to a claim against You. Loss means loss as defined in the Underlying Policy(ies). (c) Period of Cover means the period specified in the Schedule at item 3. (d) Policy means both this document containing the policy wording, and also the Schedule and Endorsements which together are one contract. (e) Premium means the amounts set out in the Schedule at item 7. (f) Underlying Policy(ies) means the underlying policies that provide the Primary/Underlying Policy(ies) Limits specified in the Schedule at item 5. (g) We/Us/Our means the Insurers specified in the Schedule at item 13. (h) You or Yours means the Insured specified in the Schedule at item 1. 5
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