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Miscellaneous Professions Insurance

We understand that many professions do not fall neatly into any standard classification.

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What is Misc Professions Insurance?

We know that as a miscellaneous profession the activities that you perform and the way that you trade can be unique to you, and subsequently obtaining the correct cover for your needs takes time, understanding and expertise. It is important that insurers understand exactly what your firm does, how exposed to potential claims you are, and how your risks need to be managed.

The business description is crucial. Whereas for a chartered accountant the PI wording covers most of the activities that one would expect an accountant to do, due to the nature of miscellaneous professions a standard miscellaneous wording just can’t take account of the countless unique requirements that each individual business might require cover for. If your business operates within the tech sector, learn how you could benefit from a tailored IT insurance policy.

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What does Miscellaneous Professions Insurance cover?

Buildings and Contents Insurance

If you own the premises on which you operate then buildings cover is essential and provides cover for an insured event. Contents coverage is also important and will help protect expensive equipment if a similar insured event occurs. Depending on your business we may also recommend separate stock insurance to cover damage to goods stored on-site for sale.

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Computers Insurance

Covers additional costs incurred in the form of increased cost of working and the cost of recompiling or restoring data following an insured accident as detailed above. Covers additional costs incurred following failure of electricity or telecommunications linked to the computer equipment.

Corporate Legal Liability Insurance

Corporate legal liability insurance (CLL) is purchased as part of a management liability insurance package, which includes directors’ and officers’ (D&O) insurance. The aim is to protect your business if a claim is made against it.

Cyber Insurance

A cyber insurance policy helps pay for financial losses they may incur in the event of a cyberattack or data breach. It can cover costs related to the remediation process, such as paying for the investigation, crisis communication, legal services, and refunds to customers.

Directors’ and Officers’ Insurance

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Employment Practices Liability

When a company’s workers claim their legal rights as employees have been violated, employment practices liability insurance can protect against resulting litigation.

Intellectual Property Insurance

Intellectual Property Insurance offers protection against alleged infringement by you or a third party of Intellectual Property (IP) rights, including patents, trademarks, copyright and trade secrets.

Legal Expenses

If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.

Personal Accident Insurance

Covers both loss of earnings and medical costs which arise from a serious injury sustained at work – up to your chosen level of cover.

Product Liability Insurance

If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Trustee Liability Insurance

Trustee liability insurance is designed to protect the trustees, directors, governors, committee members and officers of a charity, club, association or not-for-profit organisation.

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Tailored insurance to the needs of your business

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Need Miscellaneous Professions Insurance?

For comprehensive Miscellaneous Professions Insurance

Talk to our specialists

Miscellaneous Professions Insurance

There is no one-size-fits-all when it comes to insurance, and a lot of it is down to the type of work you do, your profession or professional body, and your risk appetite. 

For a non-exhaustive list of insurance products, we can help to arrange cover for: 

  • Professional Indemnity Insurance 
  • Directors’ and Officers’ Insurance 
  • Management Liability Insurance 
  • Cyber Insurance 
  • Office Insurance 
  • Public and Employers’ Liability Insurance 
  • Business Property and Contents 
  • Fidelity Insurance 
  • Fleet Insurance 
  • Trustee Liability 
  • Business Travel and Personal Accident 

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Jensten Insurance Brokers is authorised and regulated by the Financial Conduct Authority No. 766281. This can be checked by visiting www.fca.org.uk/register.

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