Provided by Professional Risks

Miscellaneous

Whatever your profession and whatever sector you are operating in, we have the appetite for your indemnity risk.

Tokio Marine HCC specialises in Miscellaneous Errors & Omissions insurance, providing tailored protection for businesses and individuals whose core asset is their knowledge, advice, or services.

Professional risks can be difficult to define, but the exposure is clear: allegations of negligence, breach of duty or error can be costly and time-consuming to defend, even when unfounded. 

Our Miscellaneous E&O policy is purpose-built for the Canadian market, to provide up-to-date coverage, written by experts and backed by a specialist underwriting team who understand the specific exposures associated with the Miscellaneous market. 

Target Miscellaneous Trades includes:

We consider a broad range of risks, from established professions to emerging consultancy services, and have insured companies as diverse as dog psychologists, genealogists and life coaches as well as the more established miscellaneous classes such as interpreters, photographers and training consultants. Indeed, we will consider almost every risk from access consultants through to zoologists.

With experience across more than 300 different professions, our underwriters understand the nuances of this diverse and evolving sector.  


Summary of coverage

  • Limits of Liability of up to $20,000,000 available on both Standalone E&O and combined E&O/CGL basis
  • Coverage for up to 100% US exposure with Worldwide Jurisdiction cover available
  • Defence costs in addition to the Indemnity Limit as standard
  • 3rd Party Network Security and Privacy Liability as standard
  • Cyber Coverage available
  • Ability to package with D&O/EPL and other commercial insurances upon request
  • Excess layers considered

Claims scenarios

Interior Designers:
Client is unhappy as the colour scheme and furnishings provided are not as they expected. Client insists the Insured begin the project again using a different colour and furnishings.

Safety Consultants:
Certification errors causing injury in equipment such as lifts, industrial machinery, play equipment and fairground rides. Dangerous goods being carried improperly causing injury.

Trade Association:
Libel claim following ejection of member. Negligent advice to members of public regarding the trade’s products or services.

 
Professional Risks Canada - Documents

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Head office

The St Botolph Building
138 Houndsditch
London
EC3A 7BT

Professional Indemntiy
Professional Indemnity

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Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

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