PROFESSIONALS INSURANCE

The ONE Professionals Insurance Policy is designed to meet the needs of graduate professionals covering their business and personal assets. Those who may benefit from this product include doctors, lawyers, pharmacists and registered Financial Services Providers.

Key Benefits

• Combined cover for business and personal assets, liabilities and vehicles
• Electronic equipment covered under office contents
• Forcible entry stipulation not required under the theft section
• Limited Professional Indemnity excess
• Dispensing risk
• Legal cover
• Roadside and Office Assistance
• Directors and Officers liability

Automatic Extensions under the Contents of Office / Consulting Rooms section:

• Cover for the entire contents including electronic and data carrying equipment, medical equipment and stock in trade
• Damage to premises
• Death following assault
• Accidental damage
• Loss of or damage to documents
• Legal liability as a direct consequence of loss or damage to documents
• Increased cost of working
• Reinstatement of electronic data
• Loss of rent
• Equipment on loan
• Incompatibility cover
• Professional fees
• Limited claims preparation costs

Automatic Extensions under the Business Interruption section:

• Additional increase in cost of working
• Suppliers – specified
• Prevention of access
• Extended cover for public utilities and public telecommunications
• Limited claims preparation costs

Automatic Extensions under the Money section:

• Clothing and personal effects
• Counterfeit currency
• Damage to safes and strong rooms
• Keys, locks and combinations
• Public holidays and seasonal increases
• Temporary protection and watchmen

Automatic Extensions under the Broadform Liability section:

• Wrongful arrest and defamation
• Legal defence costs
• Extended reporting
• Tool of trade
• Employees’ and visitors’ property
• Unattached trailers
• Emergency medical expenses
• Car parks
• Gratuitous advice
• Acquisitions and new business
• Damaged glass, stock or contents

Automatic Extensions under the Buildings Combined section:

• Subsidence and Landslip
• Damage to landscaped gardens
• Leakage
• Locks and keys
• Maintenance and cleaning equipment
• Removal of fallen trees
• Repairs and precautionary measures
• Security guards
• Accidental damage to pumps or machinery for swimming pools, water features and ponds
• Public supply connections
• Loss of rent
• Accidental damage
• Liability
• Glass

This forms part of the Personal Insurance Solution