Professional
Contractors Group – Professional Indemnity,
Public Liability and Employers' Liability Placings
IMPORTANT NOTES FOR GUIDANCE
(NOT FORMING PART OF THE POLICY WORDING)
We have prepared the following notes that are for
your guidance only.
CHANGE IN CIRCUMSTANCES
Please let Randell Dorling Ltd (The Manager) know
if your circumstances change at any time i.e. new
address, change in partners or directors or new line
of business activity.
AVOIDING CLAIMS
As a professional we do not presume to tell you
how to run your business. However many claims arise
through misunderstandings which it may be difficult
to disprove without evidence.
Please ensure if possible that all contracts and
instructions are confirmed in writing. Written records
of meetings and telephone conversations should also
all be retained on file.
CLAIMS & NOTIFICATION
Professional Indemnity
This Insurance operates on a claims made basis:
i.e. it provides cover for claims or circumstances
discovered
and notified during the period of insurance,
where the event (trigger) happened after the Retro-active
Date appearing in the Primary Schedule.
Public Liability and/or Employers' Liability
These policies operate on an occurrence basis.
I.e. It is the policy in force at the date that
the
original event took place that responds
In the event of any criticism by your client, or
if you become aware of circumstances which could
give rise to a claim against you, it is essential
that you notify SATURN via the RANDELL DORLING WEBSITE
CLAIMS BUTTON immediately, even if you believe that
your actions have been beyond reproach and that a
claim could never succeed.
Warning signs include;
- verbal complaints from a dissatisfied
customer, or threats to take the matter further
- letters of complaint alleging neglect
error or omission
- a client refusing to settle or delaying
settlement of fees
- client wanting to change professional
adviser
- Once they have been notified of a possible
claim they will assist you in providing guidance
on how best to conduct future dealings with the
client. Depending on the nature of the situation
they may
appoint professional advisers to assist you.
In the event of a claim or notification please do
not advise the third party that you hold P.I. insurance
as this may prejudice the position.
Do not discuss or admit liability. Any correspondence
should be passed to Saturn as soon as possible, unanswered
beyond a simple acknowledgement of receipt.
If you are involved in the Construction Industry
please note the special conditions in the policy
relating to prompt notification of circumstances
relating to Adjudication under the Housing Grants
and Construction Act.
LAW APPLICABLE TO THIS CONTRACT
You and the Insurers are free to choose the law
applicable to this contract, but in the absence of
agreement to the contrary, English Law will apply.
COMPLAINTS PROCEDURE
It is always our intention to provide a first class
standard of service. However if you have any cause
for complaint, you should in the first instance,
contact either the intermediary who arranged the
policy for you or Saturn who issue the policy on
behalf of the MMA Insurance plc Please be ready to
quote your policy number. Should the matter not be
resolved to your satisfaction, please write to the
Directors of Saturn Professional Risks Ltd.
If you consider the matter still unresolved, the
following options are open to you:
a) Contact the Association of British Insurers for
assistance at: Consumer Information Dept, 51, Gresham
Street, London EC2V 7HQ.
b) In the case of a complaint concerning a member
of the General Insurance Standards Council contact
the General Insurance Standards Council at 110 Cannon
Street London EC4N 6EU.
N.B Both Saturn Professional Risks Ltd and Randell
Dorling Ltd are members of General Insurance Standards
Council.
QUERIES
If you have any query regarding this insurance please
contact the respective insurer, or
The Manager
Randell Dorling Ltd
53 Lime Street
London
EC3M 7NP
info@randelldorling.co.uk
It should be noted that Randell Dorling is an "Underwriting
Agent" in relation to this Professional Contractors
Group Program and NOT an Insurance Broker.
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