About us

Home >  About us

Warranty & Indemnity Ltd (W&I) are a Lloyds Broker based in the City of London.

We offer insurance policies on both a package and bespoke basis which can include Professional Indemnity, Public and Products Liability, Employer’s Liability, Office Equipment Cover, Worldwide Portable Equipment, Business Interruption, Commercial Legal Defence Costs, Personal Accident and Directors and Officers' Insurance. This broad range of products can be specifically designed to meet the needs of your business. Our experienced team will take the time to understand your business and the environment that you operate in.

W&I have specialist schemes set up to facilitate insurances for companies operating in many different indutries, including but not limited to Oil and Gas (onshore and offshore), Aviation, IT, Railway, Management, Engineering and Finance. Please see our Industry page for a full list.

Our objective is to provide the most comprehensive, cost effective insurance for independent professionals and self employed contractors.

We monitor and predict the changing needs of our clients and develop our schemes to rpovide appropriate cover in their changing circumstances. 

Our service is web based but we remain open and available to our clients on the phone to discuss their insurance needs and concerns. If you have any enquiries please phone us on 020 7621 3747.

If you are ready to sign up, then please click on 'Get a quote' in the top right hand corner of the homepage.

If you are a member of the The Association of Independent Professionals and the Self Employed (IPSE), formally the Professional Contractors Group (PCG), please click on the logo below to direct to our associated company Randell Dorling Limited (RDL). RDL caters exclusively for members of the IPSE.

 

 

If our schemes are not right for you we can still help you arrange the right insurance via our associated company, Blackmore Borley Limited (BBL), which is a Lloyds Insurance Broker specialising in Professional Indemnity. Please click on the logo below to find out more about Blackmore Borley.

 

 

With a proactive attitude and the capacity to think "outside the box", we as a group can offer our clients alternative solutions, while maintaining traditional values and exceptional service.

 


 

 

Contact Us

Home >  Contact Us

Address: Warranty & Indemnity, 37-39 Lime Street, London EC3M 7AY

Telephone: 0207 621 3747

Email: info@warrantyindemnity.com

Please use the form below if you wish to email us at Warranty and Indemnity Limited and we will reply to you as soon as possible

  • Name:
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Our Products

Home >  Our Products
Professional Indemnity

Companies have a "duty of care" to their clients to provide a professional service in a "fit and proper" manner. Professional Indemnity Insurance (PI) insures you against the allegation or indeed the breach of that “duty of care”.  Any legal costs and resulting liability are insured by this policy.
 
The limit of indemnity is in the aggregate and includes costs and expenses.  This limit is the maximum amount that you may claim from one or numerous claims in any one policy year.  extension
 
The standard cover provided is Worldwide excluding USA / Canada. If you would like to extend the policy to cover work carried out in the USA / Canada or under USA / Canada jurisdiction, please choose the bespoke policy options to request this extension.
 
Professional Indemnity Insurance is written on a ‘Claims Made’ basis. Please see our FAQs for a definition of ‘Claims Made’.

Our Professional Indemnity Policy Wordings vary depending on the nature of the company's business. 

If your company operates within the IT sector, please click here to view the Policy Wording.

If your company operates within the Engineering, Oil and Gas or Aviation sectors, please click here to view the Policy Wording.

If your company operates within the Admin, Secretarial and Languages, Forensic Practitioners and Experts, Management Consultancy, Media, Publishing and Design or Marketing sectors, please click here to view the Policy Wording.

If you already have a policy with us and would like to view the Policy Wording, please refer to your Policy Schedule and match the technical name to one of the below:

6627 WD-PIP-UK-TEC (1)

5997 WD-PIP-UK-SP1 (2)

5998 WD-PIP-UK-SP (4)

Similary, if you would like us to send you a copy of any of your policy documents please let us know and we will do so.

General Liability

This insurance would indemnify the company against their legal liability as a result of death of, or bodily injury to, third parties or damage to their property arising out of the course of your business.
 
The standard cover provided is Worldwide excluding USA / Canada. If you would like to extend the policy to cover work carried out in the USA / Canada or under USA / Canada jurisdiction, please choose the bespoke policy options to request this extension.

For more information please click here to review the Policy Wording. 

Employers Liability

This is a statutory requirement within the United Kingdom, as detailed in The Employers' Liability (Compulsory Insurance) Regulations 1998. Failure to comply with this legal requirement constitutes trading illegally and could result in potential prosecution and considerable fine for each day the company is in breach.
 
Cover is provided on a legal liability basis and is for a limit of GBP 10,000,000 per occurrence (although the statutory minimum is GBP 5,000,000 per occurrence).
 
For more information please click here to review the Policy Wording. 

Office Contents

Office equipment such as computers and office furniture can be expensive and difficult to replace, so adding office cover to your Insurance policy can give peace of mind that your office equipment is protected. Please note the cover is UK only.
 
Please note that unless otherwise endorsed your home owners policy will not cover office equipment and/or computers owned by the company.  It is more cost effective to purchase this type of insurance via your company than to endorse it onto your personal home insurance.
 
For more information click here to review the Policy Wording.

Portable Equipment

This insurance offers cover for accidental loss, theft or damage to laptops, mobile phones and other portable equipment.
 
For more information please click here to review the policy wording. 
 
 

Business Interruption

This insurance offers cover for financial loss as a result of a business interruption normally arising from a physical loss or damage to property. If you were unable to operate from your work premises Business Interruption will help you get up and running somewhere else.

Business Interruption must be bought in conjunction with our Property Cover and cannot be sold separately.
 
For more information please click here to read the Policy Wording. 
 

Personal Accident

This Personal Accident policy is a Death and Capital benefits policy which pays compensation when an ‘insured event’ results from a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which the assured is travelling. Essentially, it is an amount of compensation payable in the event of death or defined bodily injury caused by something which is not already pre-existing or a long term illness, for example a sudden heart attack or car crash.
 
For more information please click here to review the Policy Wording. 

Legal Expenses

Legal Expenses incurred during litigation can run into thousands of pounds. The purchase of Legal Expenses insurance in its two major forms ('before-the-event' and 'after-the-event') can help cushion these huge costs by covering the policy holder's legal expenses. 

There are specific forms of Legal Expenses insurances that indemnify the policy holder against medical malpractice, errors and omissions and can even extend to Directors' and Officers' liability. A legal expenses policy can provide an affordable and convenient alternative to self-insurance of legal costs. Generally the fees incurred from consultation with solicitors, services of barristers and expert witnesses would be covered under the policy. In addition, fees and settlements to other parties are covered.

For more information please click here to review the Policy Wording. 

Directors' and Officers'

Directors and Officers have a duty of care to run the company in a “fit and proper” manner and it is the allegation that they have failed to do so that we are insuring under the Directors’ & Officers’ policy.  Directors and Officers with their management responsibilities have an unlimited personal liability for their actions/in actions and are not protected by the limited status of the company.

Claims can also be bought by clients, consumers, competitors, suppliers and government organisations. In the event of a claim, if the company were to go into liquidation, the Directors and Officers may not have the personal assets to cover the resulting liabilities and enormous defence costs, hence this insurance.

For more information please click here to read the Policy Wording. 

FAQS

Home >  FAQS
Is my profession eligible for Randell Dorling Limited Business Insurance?

Please check our list of Industries and Professions on the Get a Quote page to see if we already list your profession. If you cannot find your profession on the list or you would prefer to specify your exact job title, please contact us to discuss your requirements. We may still be able to offer you a quotation.

What is Professional Indemnity?

Professional indemnity business insurance protects you for sums you may have to pay as compensation to your clients because of problems with your work. The following are legal names given to the most common claims:
 

  • Negligence: failing in your 'duty of care' to your client – perhaps giving incorrect advice or making a mistake in your work
  • Intellectual property: infringing copyrights, trademarks or broadcasting rights. Includes any imitation or passing your product/service off as another’s
  • Loss of professional documents/data: includes damaged, missing or stolen software belonging to a client or business
  • Dishonesty: perhaps the most damaging claim a company has to face, such as an employee stealing money
 

How will a Randell Dorling Limited Professional Indemnity policy protect my business?

Professional indemnity insurance will offer cover for compensation you may need to pay to correct a mistake or cover any legal costs if a client claims bad service or advice. It can also cover your defence bills or any subsequent damages awarded.

If you need to claim, let us or Hiscox know as soon as possible. Prompt action could minimise the problem, or avoid unnecessary cost and distress. 

Other benefits include:
 

  • Access to Hiscox professional, experienced and customer focused claims team
  • Interest-free Direct Debit payments

How should I make a claim?

Prompt action could minimise the problem, or avoid unnecessary cost and distress, meaning you should notify us as soon as you realise that a claim may be heading your way. It’s also a standard condition of all professional indemnity policies. In fact, insurers may reject a claim if they feel it could have been avoided, or at least made less damaging, by early notification.


Let us know, too, if you receive a complaint from a client or realise you have slipped up somewhere and can’t easily resolve the problem. Or if you receive a series of escalating complaints on a project. Or if a client withholds payment to you after a complaint. Or if you become aware of a shortcoming in your work that you can’t easily put right.

 

For all claims in the first instance please contact us at the address below;

  • 37-39 Lime Street, London, EC3M 7AY
  • 020 7929 5454

The Hiscox claims office is open 9.00 - 5.30 Monday to Friday excluding bank holidays.

Contact the Hiscox claims department on 01206 77 3776 or hicliability.claims@hiscox.com

The out of hours contact telephone number is 0800 751 3639.

What Is The Difference Between Claims Made And Claims Occurring?

For insurance policies we divide claims into two categories; first, “Claims Made” policies and second, “Occurrence Based” policies as outlined below:
 
1) Cl
aims Made Policies


It could be suggested that a Claims made Policy is a policy running in the present which pays out for claims relating to events which took place in the past!
To explain this, this is a policy, currently open, which responds to a claim against it at the time that the claim is made, regardless of when the event causing the claim took place.
So, if an event took place on 14th July 1998 which gave rise to a claim against a Claims Made Policy then to be of value that Policy must be in existence at the time the claim is made.
The sole limitation to this is that there frequently exists a Retro-active Date of Inception (RDI), which limits the earliest an insured event can have taken place.
(See NB below)

2) Occurrence Based Policies


By comparison to the above, an Occurrence based Policy could be a policy running in the past which responds to an event that took place in the past (during the period that the Policy was open).
In other words, if an event took place on 14th July 1998, which resulted in a claim in August 2005 then if the policy responding is an Occurrence based Policy then to be of value, that policy must have been in existence on 14th July 1998.
In the context of these notes, Professional Indemnity Policies are “Claims Made” policies and Employers’ Liability and Public Liability policies are “Occurrence Based” policies.

 

NB: RDI; the use of the word “inception” in insurance terms describes the first date on which the Policy is valid; the start date. Because of the nature of (in particular) Claims Made Policies, it is common practice for Insurance Companies to allow an RDI reflecting the origination of a continuous coverage. So, if a Company took its’ first coverage in June 1994 and maintained coverage until today, then a Policy incepting in June 2007 would (should) have an RDI of June 1994. In this event, the June 2007 Policy would protect the Insured against claims made now concerning an event which took place at any time after June 1994 (the RDI).

Partners

Home >  Partners
 
 
                                        Blackmore Borley was established in February 1997 by Peter Blackmore and the late Roger Borley to provide an independent bespoke and personalised insurance broking service as a real alternative to the large broking houses. Our skilled specialists work with you to take the time to understand your needs and to simplify the complexity so that we can deliver an innovative and high quality solution that adds value to your business. We can provide a wide range of insurance solutions rather than fit them into available insurance products; every business is unique and has different risks. We are the broker of choice for many businesses and individuals - across a range of disciplines and industry sectors; from Financial Institutions through to general business insurance that has sector-specific requirements. We are committed to building long-term relationships between our clients and their Insurers, based upon the mutual trust and understanding of each party’s business; we will create and facilitate this relationship into a successful partnership that responds effectively when required......
 
 
 
 
                                                 
                                               Randell Dorling Limited (RDL) was formed in 1998 as a subsidiary company of Blackmore Borley Limited (BBL), an FCA registered Lloyd's Broker, to implement the first online insurance facility specifically aimed at the needs of self-employed contractors. The original scheme was unique to members of The Association of Independent Professionals and the Self Employed (IPSE), formally the Professional Contractors Group (PCG), and included Professional Indemnity, Employers Liability, Public Liability and Equipment Insurance in a single package. RDL has evolved over time into an independent, FCA regulated , Limited company, still working exclusively on behalf of the members of the IPSE. We offer additional products such as Worldwide Portable Equipment, Business Interruption, Personal Accident and Directors and Officers Insurance, and have specialist schemes set up for people working in the Oil and Gas Industry (onshore and offshore), Railway Workers, Aircraft Engineers, as well as our original schemes for IT Contractors, Engineers, Management Consultants and Finance Professionals. 
 
 
       
                                                                                        
Boox offer personalised, all-in-one, online accountancy services for freelancers and contractors. With one fixed monthly price and no hidden extras its number crunching made easy.
 
So if you’re looking to save time and maximise your assignment take home pay contact Boox today for a free no obligation consultation. 

Our Industries

Home >  Our Industries
Administration, Secretarial and Languages

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage in connection with members’ of the public or at a client’s premises.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Aviation

From aviation electricians to mechanics, working on aircraft can bring an expensive set of claims against work you may have undertaken. If something were to go wrong the consequences can be potentially very damaging, especially if they are funded out of your own pocket.

 
Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.

Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage in connection to members’ of the public or your client’s property.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

 

Charity and Not For Profit

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage in connection to members’ of the public or at your client’s premises.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Construction

Engineers working on a consultancy basis are employed for their experience in designing bespoke solutions. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Claims against engineers can be made relating to a wide range of work activities, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Criminal defence costs relating to any regulation or statute which applies to your business, such as the CONDAM regulations.
  • Disputes caused by your breach of a duty of care referred under the Housing Grants Construction and Regeneration Act 1996.
  • Client documents or data that are lost, stolen or damaged in your care.
 
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage in connection to members’ of the public or at your client’s property.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Consultancy and Project Management

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage in connection to members’ of the public or at your client’s premises.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Customer Services

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers any accidental damage or injury in connection to members’ of the public or at your client’s property.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Engineering

Engineers are employed for their experience in specific roles. Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 

Fashion, Beauty and Retail

In every profession there is a risk of negligence. In the event that you or your company is not insured a claim worth thousands of pounds could come out of your company’s finances.
 
Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public liability and Employer’s Liability to protect your company’s assets should the worst happen.

Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you lost, destroyed or damaged.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the costs of claims made by members of the public for incidents that occur in connection with your business activities. 

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 
 
 

Finance

With increasing regulation from bodies such as the Financial Conduct Authority (FCA) as well as an increase in client related grievances, the need for adequate cover has never been more pronounced. 

 
Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen
.
Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 
 

Forensic Practitioners and Experts

Forensic practitioners operate in an industry that is heavily reliant on advice and findings. From Odontologists to Anthropologists, Warranty & Indemnity (W&I) can cater to the needs of your professional services. 

 
Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.
 
Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to fall ill or suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 
 

Franchise and Home Business

Running an independent business from your own home can be arduous process. Our insurance policies are designed to take the complexity out of finding cover for your new or existing venture.

 
Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.

Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities..

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747
 

 

Human Resources

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 

Interim Managers

Interim Managers undertake work in a short-term environment that has an exposure for a claim being made against the advice given or work undertaken. Opinions can differ leaving interim managers vulnerable to allegations if their recommendations or advice fail to meet a client’s expectations.

 
Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.

Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 

IT and Computing

There are many situations that could occur during your work as an IT Professional that could lead to an insurance claim where you would be held liable. From product development to software development, claims can arise from a multitude of circumstances.Warranty & Indemnity (W&I) caters specifically for the needs of IT contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability.

Breach of contract is one of the most common insurance claims in the IT industry. Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including

 
  • Errors occurring in the supply and installation of certain 'deliverables' like software or hardware.
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights like copyright or trademark.
 
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance
covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Logistics and Transportation

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Management Consultantancy

Management consultants often develop their own methodologies or analytical frameworks to serve as a basis for recommendation. Whether it be imparting advice, developing professional skills or devising business strategies, management consultants are in a position of trust and care to their clients.

 
Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747

 
 

Marketing

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Media, Publishing and Design

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Medical and Health

Carers and health workers provide vital care and support to individuals within the community however this does still come with potential risks and liabilities. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability.


 Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Oil and Gas

Engineers working on a consultancy basis within the Oil & Gas industry are employed for their wealth of experience in delivering industry relevant solutions. Whether the services provided are for electrical inspection, health and safety or project management, consultants run the risk of clients making claims against them for work they performed.

Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including;
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Criminal defence costs relating to any regulation or statute which applies to your business
  • Disputes caused by your breach of a duty of care.
  • Client documents that are lost, stolen or damaged in your care, including data.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Photography

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Sales

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

Training

Warranty & Indemnity (W&I) caters specifically for the needs of self-employed contractors. Our objective is to provide the most comprehensive and cost-effective insurance for your business through a combined package that includes Professional Indemnity, Public Liability and Employer’s Liability to protect your company’s assets should the worst happen.


Professional Indemnity protects your business in the event of a dispute over work you’ve provided for a client. If a claim were to occur your company could be liable for expensive legal costs. A claim could arise from a number of different situations, including:
  • Negligence; where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work.
  • Infringement of intellectual property rights, such as copyright or trademark.
  • The cost of restoring or replacing business documents or data if you have lost, destroyed or damaged them.
Whilst claims brought against the service your company provides are one exposure, any work undertaken at a client’s site or in proximity to the public comes with additional exposures. Public Liability Insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities.

Whilst every business does its best to prevent accident or injury, if an employee were to suffer from a work related injury or illness your company would have to pay compensation. Many businesses in the UK are legally required to have Employers’ Liability Insurance which Warranty & Indemnity can offer alongside both Professional Indemnity and Public Liability. 
 
For more information please contact us on 0207 621 3747 

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