In association with AGRA, we have launched a dedicated online quotation service for Genealogists. There are principally two reasons people in business purchase Professional Indemnity Insurance, firstly they may be required to by their clients or secondly they believe that to trade without the protection of PI would be fool hardy as litigation for negligence could wipe them out financially. Whatever the reason you buy insurance it is important to bear in mind two very important things.
Professional Indemnity Insurance Is A Claims Made Insurance
There Is No Stipulation For How A Professional Indemnity Policy Is Offered To Genealogists
Unlike other professions such as RICS Surveyors and Chartered Accountants there is no requirement for insurers to offer minimum standard of covers to Genealogists or indeed other non traditional professions. This makes comparing PI policies very difficult with phrases like “Civil wording” against “Legal Wordings” or “Costs in addition” against “Costs inclusive” and of course the main difference which effects cost is an “Any One Claim” policy against an “Aggregate” policy. Hammond Professional Indemnity Consultants have developed this web site dedicated to explaining the in’s and out’s of Professional Indemnity cover. For more general information please browse the site but particularly the section of “What is Professional Indemnity” and the Genealogists link on the “PI for your professionals” page.
Why Use The Hammond Pi Facility
When offered the opportunity to work with ARGA we wanted to offer a quality product which offers greater protection at a reasonable price. Providing an online quote and buy arrangement we are able to cut handling costs and so the price. We are using HCC International as the insurer due to their financial status and ratings, reliability and policy conditions".
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