Professional Indemnity

Coverage

HCC Europe designs a protection plan tailored to your company needs with the following coverage lines:

• Professional Indemnity
Protects you or your firm against claims made by third parties concerning their performance as professionals.
• General Liability / Operation
Protects against claims for damage caused to third parties stemming from your general business activity.
• Employers Liability
Protects against employee claims stemming from occupational accidents.
• Professional Liability of Boards of Associations or other Institutions
Protection for board members of associations or similar institutions in the performance of their chartered or collegiate positions.
• Temporary Professional Disqualification
Offers a daily allocation during the time of the disqualification ruled by an unappealable legal judgment, or for the term specified in the insurance contract.
• File Damage
Protects against claims stemming from damages you may have caused to client files or other documents.
• Defense and Bonds
Stipulates that HCC Europe will provide legal defense and necessary bonds when tackling claims stemming from the activities covered by the policy.

Policy Period
HCC Europe’s philosophy is to offer the maximum and most appropriate protection to its insured clients in the type of coverage, as well as the policy period. In this way, we avoid gaps in this coverage period, which traditionally occurs when the policy or insurer are changed. With our assistance, you can design the most convenient coverage for your needs.

Retroactivity
We are in a position to assess any cases enabling us to cover unknown events having occurred prior to the policyholder’s insurance contract inception date, yet whose claims take place during the policy period. This prior period, or retroactivity, is determined depending on client-specific circumstances.