Insurance FAQs

  • What is defamation?

    What is defamation?

    Defamation is the umbrella term for libel and slander and is based around reputation – and specifically relates to statements that damage the reputation of others.

  • What is a breach of confidentiality?

    What is a breach of confidentiality?

    A breach of confidentiality occurs when data or information provided in confidence to you by a client is disclosed to a third party without your client's consent.

  • What is professional indemnity insurance?

    What is professional indemnity insurance?

    If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.

  • What is entity defence cover?

    What is entity defence cover

    While most charities and community groups recognise the importance of having professional indemnity and public liability cover, few are aware of the importance of having entity defence.

  • What is trustee indemnity insurance?

    What is trustee indemnity insurance?

    Reputable and committed trustees are vitally important to charities and community groups. However, it is important to recognise that trustees of even very small charities bear considerable responsibility both for their actions and the actions of the organisation they represent.

  • What is business equipment insurance?

    What is business equipment insurance?

    Business equipment insurance provides cover for damage or loss to property or equipment that you use in the course of your business.

  • What is employer's liability insurance

    What is employer's liability insurance

    In the course of operating your business, your employees can be injured or suffer from illness as a result of working for you, regardless of how safe your premises appear to be or how benign your business activities may seem.

  • What is public liability insurance?

    What is public liability insurance?

    Public liability insurance (often referred to as PL insurance) covers the legal costs and expenses incurred in your defence, as well as any damages and costs that may be awarded, if you are alleged to have injured another person (who is not one of your employees) or damaged their property whilst going about your business.

  • What is business interruption insurance?

    What is business interruption insurance

    Business interruption (BI) insurance is one of the most misunderstood - and therefore often overlooked - business insurance policies

  • Do you need employer's liability insurance for volunteers?

    Do you need employer's liability insurance for volunteers?

    All employers are required by law to insure against liability for injury to their employees which could arise out of their employment.