Miscellaneous Professional Indemnity
Overview
Delta's Miscellaneous Professional Indemnity Policy is designed to protect insureds from potential financial losses due to claims of negligence, errors, or omissions in their professional services. It provides a safety net against legal expenses and damages that may arise from dissatisfied clients or third parties. Even if a client is not found liable, the threat of claims and litigation can be costly and frustrating to defend, taking a huge toll on businesses and reputations.
Coverage Benefits
Providing cover for civil liability arising from:
Professional act, error or omission
Breach of duty including fiduciary duty
Breach of confidentiality
Defamation, libel & slander
Breach of warranties & conditions
Consumer protection legislations
Intellectual Property Infringement
Additional Covers
Additional covers provided to ensure there is added protection include but are not limited to:
Continuous cover
Automatic reinstatement of the Policy Limit
Reputation protection costs
Investigation costs
Contractual liabilities
Spouses, Estates & Representatives
Joint Ventures
Fraud & Dishonesty
Loss Mitigation Costs
Vicarious liability for consultants
Extended reporting period
Defence Costs in addition to limit
Optional Extensions
Optional policy extensions available at request include:
Fidelity Cover
Previous Business
Proportionate Liability
Target Segments
Accident Investigators
Agricultural Consultants
Business Coaches
Business Planning Consultants
Change Management Consultants
Communication Consultants
Educational / Training Consultants
Exhibition Designers
Food Industry Consultants
Funeral Directors
Health and Safety Consultants
Human Resource Consultants
Interior Designers
Logistics Advisors
Loss adjusters
Management Consultants
Project Management (non-construction)
Recruitment Services (non-medical)
Researchers
Risk Management Consultants
Secretarial and Administration Services
Strategic Consultants
Teachers
Town Planners
Traffic Consultants
Translators
Travel Agents
Industries we are unable to write
Actuaries
Allied Health Providers
Architects
Charities
Childcare
Engineers and Surveyors
Franchisors
Information Technology Consultants
Insurance Brokers / Underwriting Agencies
Real Estate Agents and Property Managers
Tour Operators
Unions
Vets
Capacity
Primary & Excess limits up to $10m any one claim
Territory/Jurisdiction
Australian domiciled risks
Worldwide territorial & jurisdictional cover (excl. USA & Canada)
