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HK has access to a number of London market facilities providing coverage for a wide variety of Errors & Omissions and other Professional Liability exposures.
ACCEPTABLE CLASSES
ADJUSTERS *
APPRAISERS *
AUCTIONEERS
COMPANY/MANAGEMENT CONSULTANTS*
COMPUTER CONSULTANTS*
COUNTY CLERKS*
COURT REPORTERS*
CREDIT BUREAUX *
CUSTOM HOUSE*
ELECTRICAL CONSULTANTS
EMPLOYMENT AGENTS*
ENVIRONMENTAL CONSULTANTS (PHASE 1 ONLY)
ESCROW AGENTS*
HOME INSPECTORS (VISUAL ONLY – NO TESTING)
MARKET RESEARCH CONSULTANTS
PROCESS SERVERS*
PUBLIC RELATION CONSULTANTS*
PUBLIC NOTARY*
REAL ESTATE OPERATIONS MANAGERS
PROPERTY MANAGERS
SHIPPING AND FORWARDING AGENTS
TELEPHONE ANSWERING SERVICE
TITLE ABSTRACTORS*
TRANSLATORS*
TRAFFIC CONSULTANTS
TRAVEL AGENT (NO TOUR OPERATORS/WHOLESALERS)
URBAN PLANNERS
SUBMIT CLASSES
AGRICULTURAL CONSULTANTS*
AIR QUALITY CONSULTANTS
ARBORIST CONSULTANTS
AUTHORS
BACKGROUND INVESTIGATION
BOOKKEEPER AND NOTARY*
BUILDING INSPECTION
CLOSING AGENT*
COMMERCIAL INSPECTOR
CONSTRUCTION ESTIMATOR
CROP MANAGEMENT
DISABILITY ACCESS CONSULTANTS
EMPLOYEE SCREENING
ENERGY CONSULTANTS
EVENT ORGANISERS
EXPERT WITNESS*
FIRE INVESTIGATORS
FIRE TRAINING EXPERT
FLOOD HAZARD DETERMINATOR
FORENSIC CONSULTANTS
FORESTRY AGENT AND APPRAISER
HAZARD DETERMINATOR
HORTICULTURAL/ARBORICULTURAL CONSULTANT
INSURANCE CONSULTANTS*
INTERIOR DESIGN*
INVENTORY CONTROLLER
MEDIATOR
PLUMBING INSPECTORS
RESEARCH & TRAINING CONSULTANTS
RESERVATION AGENT
SKIP TRACING AGENT
STAINED GLASS CONSULTANTS
TECHNICAL CONSULTANTS
THIRD PARTY ADMINISTRATORS
WATER CONSULTANTS
WATER QUALITY ANALYSTS
WEB BASED CONSULTANTS
WETLAND CONSULTANTS
N.B. Please note that above classes marked * can now be quoted including General Liability
1 PROFESSIONAL LIABILITY OTHER CLASSES AND CATAGORIES
If your enquiry does not fit our HK “49” facility due to size, class or other consideration then, with the exception of Home Inspectors we are able to consider placement in the London open market utilising other facilities to which we have access. Classes and catagories considered for placement would include:
INSURANCE AGENTS (MINIMUM $250,000 IN COMMISSION INCOME)
ARCHITECTS AND ENGINEERS
CONSTRUCTION MANAGERS
LAND SURVEYORS
LANDSCAPE ARCHITECTS
ENVIRONMENTAL CONSULTANTS
COMPUTER CONSULTANTS, SOFTWARE, SYSTEM DESIGN ETC.
MORTGAGE BROKERS
ACCOUNTANTS
LAWYERS (NOT SOLE PRACTICIONERS)
SAFETY CONSULTANTS
TRANSPORTATION CONSULTANTS
CONTRACTORS (MINIMUM $4,000,000 IN CONSTRUCTION VALUES AND NO 100% RESIDENTIAL)
SEEDSMANS
As well as the above we also consider the Following:
EMPLOYMENT PRACTICES LIBILITY INSURANCE
Limits up to $10,000, 000 available
Coverage Includes:
- Allegations of harassment
- Allegations of discrimination
- Allegations of wrongful employment practices
- Additional Coverage available includes:
- Third party exposures
- Punitive damages
- Defence outside the limit of indemnity
NURSING HOMES
Limits up to $5,000,000 each claim and $15,000,000 in the Aggregate available
Coverage available for skilled, Assisted Living, and Independent Long Term care facilities
Coverage Includes:
- Professional and General Liability
- Sexual Misconduct and Physical Abuse Liability
- Employment benefits Liability
- Tenants Liability Medical Expenses cover
Minimum premiums as low as $10,000 (normally equating to 25 beds)
DIRECTORS & OFFICERS LIABILITY
Limits up to $10,000,000 available
Publicly quoted and privately held companies considered
NEW ENQUIRIES
All new enquiries should be submitted with a fully completed application signed and dated by the Insured. Underwriters will accept a domestic company application or a London proposal form but it would also be extremely helpful to provide résumé’s for the applicant’s principals, which will hopefully then enable underwriters to provide you with competitive terms, as quickly as possible.
CONTACT
GEORGE FRANKLIN: gfranklin@harmankemp.com
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Classes of Business
Click the links below to learn more about our capabilities in respect of individual classes of business and to download application forms and policy wordings.