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