Partners&.
Insurance with better outcomes including advice that makes a difference – across business insurance, risk management and employee benefits
Our aim is to create the best advisory business risk in the UK, characterised by…
- People who stand shoulder to shoulder with you
- Advice that makes a difference
- Outcomes that shape your future
Partners& is an independent insurance advisory business providing expert advice across insurance, risk management and employee benefits. We work with businesses of all sizes and across a wide range of sectors including specialisms in Science and Technology, construction and private clients. Partnersand.com Our focus is on providing high quality, seamless advice in three core areas - insurance, risk management and employee benefits, supported by a culture of partnership between our people, our clients and our wider ecosystem.
We are pleased to offer businesses a complimentary, no-obligation review for their insurance, business protection, and employee benefits arrangements. This helps assess whether they are up to date and review any exposures if applicable aligned to your business needs. Partnership is the core belief that drives who we are and what we believe in at Partners&.
Our highly knowledgeable, experienced and friendly team is available to help you through the complexities of the cover needed to protect you, your business and your people. For further information or to arrange your free review, please contact the Partners& team
| For an initial discussion please contact: Phillipa Salt - | 07425 649332 | E: | [email protected] | W: | www.partnersand.com |
Products and services
Director and Officers Insurance/Management Liability
Directors and Officers Insurance Overview
Broadly speaking, personal claims or proceedings against directors or officers can arise from any decision made, or act carried out, in the workplace however innocuous it may have seemed at the time.
These range from frivolous and occasionally malicious claims made by disgruntled customers who weren't happy about the service they received, all the way through to official investigations. Claims and proceedings where personal liability can be involved also typically include:
- Claims by investors and shareholders who blame directors personally for their losses
- Actions brought by liquidators, where they suspect wrongful trading or incorrect payments to creditors
- Actions brought by HMRC where insolvent trading or misappropriation of tax payments is suspected
- HSE investigations where negligence is suspected
- Police and SFO investigations where fraud is suspected
Covers that can be included below:
1. Directors & Officers Liability
Provides protection for Directors & Officers of your company, in the event a claim is made against them for wrongdoing. This protects the individuals in a company.
Cover includes:
Legal costs, awards and settlements for any claim or regulatory action brought against any past, present of future director, officer or employee.
Legal costs of representation at an official investigation.
Insolvency hearing costs
2. Corporate Liability
Provides protection for your company, in the event a claim is made against the company. Whereas Directors & Officers Liability protects individuals, whereas this protects the company.
Cover includes:
Legal costs, awards and settlements for any claim or regulatory action brought against you.
Legal costs of representing your company at an investigation.
Cover for losses to your business caused by dishonest employees.
Breach of contract defence costs.
3. Employment Practices Liability – optional cover which can be removed
Provides protection in the event one of your employees makes a claim against your company, for violation of employment practices. This is protection for the company. This could include claims for wrongful or unfair dismissal, breach of employment contract, wrongful deprivation of career opportunities or harassment and discrimination.
Cover includes:
Legal costs, awards and settlements for any employment claims brought against you.
Legal costs of representation at an official employment investigation.
Intellectual Property Insurance
This covers defence and pursuit costs for your intellectual property and the following areas you wish to protect:
Defence of copyright infringement ✓ Defence of trademark infringement ✓ Defence of trade secrets misappropriation ✓
Defence of patent infringement ✓ Defence of IP ownership disputes ✓ Defence of IP validity disputes ✓ Defence of IP oppositions ✓
Pursuit of copyright infringement ✓ Pursuit of trademark infringement ✓ Pursuit of trade secrets misappropriation ✓ Pursuit of patent infringement ✓ Business interruption for lost profits arising out of a covered claim ✓ Refund of costs incurred maintaining IP rights that are lost in a covered claim
Your professional indemnity cover only gives basic sublimated cover so consider this to defend your rights and ideas!
