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  • FIRST POST
    • heidiann
    • By heidiann 14th Jun 17, 10:32 AM
    • 4Posts
    • 1Thanks
    heidiann
    Professional Indemnity Insurance
    • #1
    • 14th Jun 17, 10:32 AM
    Professional Indemnity Insurance 14th Jun 17 at 10:32 AM
    Does anyone know if professional indemnity insurance protects you for clients outside of the UK?

    I'm a freelance designer who operates as a Limited company, the majority of my clients have been in the UK but I will be acquiring some new business that is US based and want to be sure I'm covered in the event that any unfortunate issues arise.
Page 1
    • paddyandstumpy
    • By paddyandstumpy 14th Jun 17, 11:03 AM
    • 703 Posts
    • 273 Thanks
    paddyandstumpy
    • #2
    • 14th Jun 17, 11:03 AM
    • #2
    • 14th Jun 17, 11:03 AM
    What does your policy wording say?
    • mattk_180
    • By mattk_180 14th Jun 17, 12:53 PM
    • 355 Posts
    • 257 Thanks
    mattk_180
    • #3
    • 14th Jun 17, 12:53 PM
    • #3
    • 14th Jun 17, 12:53 PM
    They're usually worldwide with a higher deductible (excess) for claims brought about in the USA, however I would suggest the same as paddy - your policy wording or a quick call to your insurer will confirm.
    • thermalaudio
    • By thermalaudio 14th Jun 17, 2:39 PM
    • 51 Posts
    • 75 Thanks
    thermalaudio
    • #4
    • 14th Jun 17, 2:39 PM
    • #4
    • 14th Jun 17, 2:39 PM
    I have my Professional Indemnity Insurance though Hiscox in the UK and it covers me Worldwide plus Worldwide Jurisdictions (excluding USA & Canada). You should find the wording & exclusions in a document called: Policy Schedule & Statement of Fact.

    Hope that helps.
    • ThinkingOutLoud
    • By ThinkingOutLoud 15th Jun 17, 7:23 AM
    • 1,360 Posts
    • 1,254 Thanks
    ThinkingOutLoud
    • #5
    • 15th Jun 17, 7:23 AM
    • #5
    • 15th Jun 17, 7:23 AM
    This is often a choice / question you are asked when buying which again usually affects the price paid. Some will ask what % of you trade us abroad and especially in the USA.

    Once you have checked and if not it should be possible to "upgrade".

    However if you change insurers - be careful to ensure you get/ have retroactive cover.
    I am just thinking out loud - nothing I say should be relied upon!
    I do however reserve the right to be correct by accident.
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