Professionals
Our Professionals policy is designed for mobile businesses engaged in traditional clerical trades and light manual trades e.g. hairdressers and dressmakers.
Why choose NIG for Professionals?
- Introductory no claims discount available at new business.
- No claims discount available at renewal.
- Up to 15 workers allowed.
- More than 200 trades accepted.
- Option to insure hair and beauty treatments (the limit of indemnity will be the same as the Public Liability indemnity limit selected).
- Option to vary the Public Liability excesses.
- Money Cover is included as standard for £1000 in Transit, in bank night safes and in private residence of insured or authorised employee.
- Option to include Injury to Working Partners under Employers Liability.
- Option to add Tools and Business Equipment which includes laptops and mobile phones.
- Option to add Personal Accident (24 hours a day) for bodily injury resulting in death or disablement.
- Public Liability and Employers Liability extended to include Court Attendance Costs connected to a claim up to £750 per day for each director/partner and £250 per day for each employee.
- Advice lines for health and medical assistance, legal advice and stress counselling.
What's covered
Standard covers
| Cover | Maximum limits
The amount in brackets denotes the standard limit provided. |
|---|---|
| Public liability | £10,000,000 (£1,000,000) |
| Money in transit or in a bank night safe | £5,000 (£1,000) |
| Money in private dwellings | £2,500 (£1,000) |
Optional covers
| Cover | Maximum limits |
|---|---|
| Employers liability | £10,000,000 |
| Tools and business equipment | £10,000 per worker |
| Business stock | £25,000 |
| Personal accident | Capital benefits £50,000 |
| Hair and beauty treatment | Same as PL requested limit |
This is a summary of the cover available. Please refer to the policy booklet for full terms and conditions.
Available on
- TheHub
- Acturis
- SSP
- PowerPlace Micro
- PowerPlace SME
- Applied
Documents
The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.
Legacy documents
- Cyber and vicinity endorsement
- Product summary - April 2023
- Policy wording - April 2023
- Notice to policyholder - April 2023
- Target market statement
- Fair Value Assessment
- Professional Indemnity Product Summary (Miscellaneous)
- Professional Indemnity Product Summary (Media Consultants)
- Professional Indemnity Product Summary (Information Technology)
- Professional Indemnity Product Summary (Estate agent)
- Professional Indemnity Policy Wording (Miscellaneous)
- Professional Indemnity Policy Wording (Media Consultants)
- Professional Indemnity Policy Wording (Information Technology)
- Professional Indemnity Policy Wording (Estate agent)
- Professional Indemnity Eligible Trades
