trafalgar risk management limitedtrm - IOSH Professional Indemnity

Inquiry Representation Cover

What's covered

Up to a maximum £10,000 in the aggregate for legal costs incurred with Insurers prior consent for representation at any inquiry or other proceeding which has a direct relevance to any claim, circumstances or event insured under the policy.

Schedule of Benefits:
Inquiry Representation Cover
Territorial Limit:
United Kingdom of Great Britain and Northern Ireland, excluding the Channel Islands and the Isle of Man.
Limit of Indemnity:
£10,000 any one claim and in the aggregate.
Excess:
£250 (Insurers appointed representative);
£1,000 (to appoint your own representative).
General Exclusions:
The Insurer shall not be liable to indemnify the Insured in respect of:
(1) The defence of the Insured in civil legal proceedings arising from
  • Injury or disease including psychiatric injury and stress;
  • Loss, destruction or damage of or to property;
  • Alleged breach of any professional duty;
  • Any tortuous liability
  • (2) Any dispute, legal proceedings made, brought or commenced outside the Territorial Limits;
    (3) Legal Expenses incurred without the prior written consent of the Coverholder or in excess of the Coverholder’s consent;
    (4) Any Claim relating to or arising from any cause, event or circumstance occurring prior to or existing at inception of this Policy and which has or which the Insured knew or ought reasonably to have known may give rise to a dispute, legal proceedings or by or against the Insured;
    (5) Fines or other penalties imposed by a court or tribunal;
    For a full list of exclusions, please refer to the policy wording.


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    Terms of business | Initial Disclosure | Security policy | Conditions of use
    Trafalgar Risk Management Limited is authorised and regulated by The Financial Services Authority under registration number 311662.
    Trafalgar Risk Management Limited is a member of the British Insurance Brokers Association.
    Registered in England & Wales No. 03876370.
    Registered Office: Audit House, 260 Field End Road, Eastcote, Middlesex, HA4 9LT.