Quotation Request

Brunel Professional Indemnity Direct

Risk Information
Statements
Liability
Notes
Calculations
Miscellaneous
PL/EL
Limit Info
Refer and Declines

Risk Information

Privacy Policy
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Contact Name:
Contact Telephone Number
Contact Mobile Number
Please enter Email and Password?




Are there any additional names to be Insured?
Name of Insured
Add row
All offices of the Insured are based / domiciled in the United Kingdom, Channel Islands or Isle of Man
Insured Address:
Please select your Limit of Indemnity:
£
Excess:
Please enter the Excess amount you require:
insert a a different Excess between £100 and £10,000.
£
Professional Business work split percentage:
Total must add up to 100.00%
%
Would you like to add an additional Professional Business Area?
Please select an additional Professional Business Area:
Work split percentage:
Total must add up to 100.00%
%
Would you like to add another additional Professional Business Area?
Please select an additional Professional Business Area:
Work split percentage:
Total must add up to 100.00%
%
Would you like to add another additional Professional Business Area?
Please select an additional Professional Business Area:
Work split percentage:
Total must add up to 100.00%
%
Would you like to add another additional Professional Business Area?
Please select an additional Professional Business Area:
Work split percentage:
Total must add up to 100.00%
%
Annual gross fees / turnover for the last financial year (or estimate for new start ups)
Maximum permitted is £1,000,000 / £500,000 for Architects, Engineers & Insurance Brokers / £2,000,000 for IT & Media professions
£
Percentage of annual gross fees / turnover from clients in the following territories:
Total must add up to 100.00%
TerritoryPercentageFactorPercent exceed for ReferPercent exceed for DeclineAction
Add row
Design & Construct turnover split:
Total must add up to 100.00%
Turnover TypePercentage Factor
Add row
Is the business regulated by the Institute of Chartered Accountants?
Is the business regulated by the Association of Chartered Certified Accountants?
Is the business regulated by the Royal Institution of Chartered Surveyors?
Accountants Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard Level
Add row
Architect & Engineers Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelQS Contract FactorEnt 1
Add row
ArchitectsSpecificWorkTypeTotalPercentage
This field totals the work type splits for the main profession types of Architects, for Civil Engineering PLUS Flooring PLUS Soil Engineering PLUS Structural Engineering PLUS Setting Out PLUS Foundations / Underpinning only
Design & Construct Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelEnt 1
Add row
DCSpecificWorkTypeTotalPercentage
This field totals the work type splits for the main profession types of Design & Construct, for Civil Engineering PLUS Flooring PLUS Soil Engineering PLUS Structural Engineering PLUS Setting Out PLUS Foundations / Underpinning only
Insurance Brokers Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelContract Factor
Add row
Insurance Broker referral percentage check:
IT Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelEnt 1
Add row
Media Professional Business split in work:
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelEnt 1Ent 2
Add row
Miscellaneous Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentage
Add row
Property Professional Business split work for the last financial year (or estimate for new start ups):
Total must add up to 100.00%
Work TypePercentageFactorMaximumActionHazard LevelCategorySize FactorContract FactorQS Contract FactorLargest Valuation FactorEnt 1
Add row
Area of construction:
Total must add up to 100.00%
TypePercentageMax for DeclineMax for ReferralRate AdjusterAction
Add row
Refer or Decline a Work Type:
Risk Type
This is a hidden question. Do not change. The value is being used in rating/rules.

Statements

You are not currently insured with Aqueous Underwriting?

We are not able to cover you as your current Insurer is Aqueous Underwriting

All principals, partners, members or directors have relevant qualifications or at least five years relevant experience, in respect of the Professional Business to be insured.
No claim, whether successful or not, has ever been made or threatened against you, your predecessors in business or any past or present principal, partner, member, director or employee.
You or any principals, partners, members, directors or employees AFTER FULL ENQUIRY are not aware of any incident, fact, matter, act or omission which may give rise to a claim against you, your predecessors in business or any past or present principal, partners, members, directors or employee.
You or any principal, partner, member, director or any person employed have never been subject to any disciplinary proceedings or investigation by any Professional Body.
You have not had any fraud or dishonesty losses.
You have never been refused similar insurance, or had any policy cancelled or voided at any time.
Your largest fee income from one client in the last year or estimated in the next 12 months does not exceed 50% of your annual income or £50,000
Your largest fee income from one client in the last year or estimated in the next 12 months does not exceed £40,000.
Your largest income from one client in the last year or estimated in the next 12 months does not exceed 50% of your annual turnover.
The total paid to subcontractors or consultants does not exceed 10% of your total Gross Fees / Turnover.
All contracts, including changes are confirmed in writing, setting out precisely what you will do
Your annual accounts have been prepared or certified by an independent accountant or auditor and at all times reasonable internal procedures and processes are in place to try and prevent fraud and dishonesty, for example, ensuring that computer initiated transfer authorities to a bank or financial institution are controlled and authorised by more than one person who have their own unique passwords
Please note the Fidelity Losses Cover is provided on the basis the Insurer is reasonably satisfied that the annual accounts of the Insured have been prepared or certified by an independent accountant or auditor and at all material times the Insured had reasonable internal procedures and processes in place to try and prevent the fraud or dishonest act that was carried out, for example, ensuring that computer initiated transfer authorities to a bank or financial institution are controlled and authorised by more than one person who have their own unique passwords.
You operate a diary system
Within contracts entered into with clients, you always exclude indirect and consequential losses
You always supply placement of staff under your own standard terms of business which excludes liability for the actions of persons supplied
You always obtain references and evidence of qualifications for placements or stipulate within your terms of business that the employing firm must perform these checks
You have written risk management procedures which are regularly reviewed and circulated
You always use well established designs and techniques
You do not sign Professional Consultants Certificates, and do not intend to in the next 12 months
You do not act as a Green Deal Advisor, and do not intend to in the next 12 months
You have not undertaken any Geotechnical Engineering, Fire alarm / protection / detection systems, Security systems, Process Engineering Design, Offshore Design, Innovative or Unusual design, Waste to Energy Projects, or intend to in the next 12 months
You do not act as an Internet Servicer Provider or undertake any design used for industrial process control systems, financial trading or banking systems, game development, engineering or structural design, medical treatment or diagnosis, or website financial transactions, or intend to in the next 12 months

Unfortunately we are not able to cover you.

You always obtains client sign off before print or production
You have not has undertaken any structural design work, or intend to in the next 12 months
You are a firm authorised or licenced by the Institute of Chartered Accountants to undertake Probate work and are a member of the ICAEW Practice Assurance scheme
You do not supply nurses or medical personnel, or intend to in the next 12 months
You have not undertaken any Basement or Swimming Pool Design work or been responsible for the design, specification, selection or inspection of cladding/curtain wall, or intend to do any of these in the next 12 months
You have not had any involvement in product design, or intend to in the next 12 months
You have not had any involvement in amusement rides or children's play equipment, or intend to in the next 12 months
You do not act as Finance Director and all decisions are signed off by the client, and this will be the position for the next 12 months
You do not have involvement in specialist technical, scientific or medical work, or intend to in the next 12 months
You have not undertaken any Valuations for Lending Purposes or Asbestos Surveys or inspections in the last 6 years, or intend to in the next 12 months

Unfortunately we are not able to cover you.

You always obtain relevant licence relating to usage of third party software, media or other intellectual property, and intend to in the next 12 months
You have never received income for Investment Business or Financial Services regulated by the Financial Conduct Authority, Institute of Chartered Accountants / Institution of Chartered Surveyors under the Designated Professional Body arrangements or any other regulatory body, or intend to in the next 12 months
You have never carried out any work for insurance companies, Lloyd's syndicates, Lloyd's managing or members' agents, underwriting agencies, offshore companies, quoted companies, banks, building societies, financial institutions, finance houses, hire purchase companies or off shore entities, and do not intend to in the next 12 months

Unfortunately we are not able to cover you.

You have not given any advice on or introduced clients or third parties to tax mitigation schemes including film finance / partnership work, and do not intend to in the next 12 months
You have not undertaken any work for any high profile clients in the entertainment and sporting industry, or intend to in the next 12 months
You have not undertaken work in the aviation, chemical, gas, marine, nuclear, offshore, pharmaceutical or rail industries, or intend in the next 12 months
You have not undertaken work involving legionella, asbestos, fire safety or fire risk assessments, or intend to in the next 12 months
Where you appoint contractors or consultants with design responsibility, you ensure such contractors or consultants have their own adequate Professional Indemnity Insurance in place and suitable financial checks are made on such contractors or consultants?
You:
A) have not undertaken work involving Reinsurance, Payment Protection Insurance (PPI) or other secondary insurance sales such as warranty or asset protection covers; and
B) have not acted as an underwriting agency or held a delegated or binding authority; and
C) confirm that none off the Insured business are Appointed Representatives;
and this will be the case for the next 12 months.
You have not had any involvement on properties over 18 meters in height or intend to in the next 12 months
You have not engaged to physically undertake manufacture, construction,erection or installation.
You have never been an approved inspector or worked as a building control consultant and do not intend to in the next 12 months
You have never, (and you will not in the next 12 months), been involved with buildings or structures of 4 storeys or under on care or nursing homes, hospitals, prisons, education establishments and student accommodation, where you were contractually responsible or had a duty of care in respect of the building regulation fire safety of glazing, doors, insulation, cavity barriers, cladding or any other external wall system.
Add Public Liability and/or Employers’ Liability:

Liability

Would you like to include Employers’ Liability cover?
What is ELTO?

The Employers' Liability Tracing Office (ELTO) is an independent industry body who’s aim is to assist the insurance industry to meet its obligations by aiding those who have suffered injury or disease in the workplace to effectively and efficiently trace the relevant insurer.

What does this mean for you?

If you employ staff who are individually paid more than £503 per month you have to provide your Employers' Liability insurer with specific information. The majority of this information is already held on your policy. However, they do require your Employers' Reference Number (the ERN is also commonly referred to as 'Employer PAYE Reference'. This is the reference number provided by HM Revenue and Customs (HMRC) under which your employees' income tax and NI contributions are recorded.

Are you exempt from holding a Employers Reference Number?
Total number of staff including Directors, Partners and Members:
No claim, whether successful or not, has ever been made or threatened against you, your predecessors in business or any past or present principal, partner, member, director or employee.
You or any principals, partners, members, directors or employees AFTER FULL ENQUIRY are not aware of any incident, fact, matter, act or omission which may give rise to a claim against you, your predecessors in business or any past or present principal, partners, members, directors or employee.
You have never been refused similar insurance, or had any policy cancelled or voided at anytime.
You are not involved in manual work other than incidental.
You do not supply products (other than software, printed matter and incidental food or drink).
You do not work at heights above 10 meters where such work is unprotected (no barrier such as a railing).
You do not handle or remove asbestos.

Additional Notes

Additional Notes
Please note, the quote will refer to an Underwriter if this is filled in.

Calculations

Main Profession:
Main Profession Number:
Retroactive Date:
Contract Size For Rating:
£
Premium After Work Split:
£
Premium after work split and increased limit factor:
£
Final Book Premium
£
Size Category:
Size Factor
Premium After Area:
£
Premium After Territory Split:
£
Premium After Business Established:
£
Premium After Claim Type:
£
Premium After Claims Free:
£
Premium After Claims Free and 5 years NC:
£
Specific Statement Factor:
Premium After Specific Questions:
£
Premium after Contract Value MP:
£
Premium before Contract Value for Work Types:
£
Premium after Contract Value for Work Types:
£
Premium after QS Contract Value for Work Types:
£
Premium after Contract Value CS:
£
Premium after Largest Size for Work Types:
£
Premium after Largest Size:
£
Premium after Largest SI:
£
Calculated Premium
£
% of Income from Low Hazard:
% of Income from Medium Hazard:
% of Income from High Hazard:
Rate for Excess:
Minimum Excess:
£
System Generated Excess:
£
System Generated Discount with Online Discount:
£
Highest Excess:
£
Rounded Excess:
£
Requested Excess:
£
Difference in Excess:
£
Excess Difference Positive or Negitive:
Excess Rating Factor:
Premium After Excess Factor:
£
Online Factor for Profession:
Calculated Premium With Online Discount:
£
Calculated Premium Total:
£
Calculated Premium Rounded Down:
£
Minimum Premium:
£
Minimum PRemium Business Established Factor:
Total Minimum Premium:
£
Limit of Indemnity:
£
Excess:
£
Original Excess - do not amend
£
Policy Summary
Policy Wording:
Minimum Limit for Probate:
£
Minimum Limit for Chartered Accountants:
£
Postcode Letters IPT
Risk Code
Amended Excess
£

Miscellaneous

Miscellaneous Profession 1

Misc Profession 1:
Misc Profession 1 Percentage:
Misc Profession 1 Factor:
Maximum Percentage Prof 1:
%
Action If Exceeds Maximum 1:
Excess Hazard Level Prof 1:
Add endorsement 1 Prof 1:
Add endorsement 2 Prof 1:
Misc Profession 1 Income:
£
Misc Profession 1 Income After Factor:
£

Miscellaneous Profession 2

Misc Profession 2:
Misc Profession 2 Percentage:
Misc Profession 2 Factor:
Maximum Percentage Prof 2:
%
Action If Exceeds Maximum 2:
Excess Hazard Level Prof 2:
Add endorsement 1 Prof 2:
Add endorsement 2 Prof 2:
Misc Profession 2 Income:
£
Misc Profession 2 Income After Factor:
£

Miscellaneous Profession 3

Misc Profession 3:
Misc Profession 3 Percentage:
Misc Profession 3 Factor:
Maximum Percentage Prof 3:
%
Action If Exceeds Maximum 3:
Excess Hazard Level Prof 3:
Add endorsement 1 Prof 3:
Add endorsement 2 Prof 3:
Misc Profession 3 Income:
£
Misc Profession 3 Income After Factor:
£

Miscellaneous Profession 4

Misc Profession 4:
Misc Profession 4 Percentage:
Misc Profession 4 Factor:
Maximum Percentage Prof 4:
%
Action If Exceeds Maximum 4:
Excess Hazard Level Prof 4:
Add endorsement 1 Prof 4:
Add endorsement 2 Prof 4:
Misc Profession 4 Income:
£
Misc Profession 4 Income After Factor:
£

Miscellaneous Profession 5

Misc Profession 5:
Misc Profession 5 Percentage:
Misc Profession 5 Factor:
Maximum Percentage Prof 5:
%
Action If Exceeds Maximum 5:
Excess Hazard Level Prof 5:
Add endorsement 1 Prof 5:
Add endorsement 2 Prof 5:
Misc Profession 5 Income:
£
Misc Profession 5 Income After Factor:
£
Number of Misc trades:

PL/EL

Was PL/EL selected by the client but declined by the system?
EL/PL Eligibility ProfWorkSplitsIT
EL/PL EligibilityProfWorkSplitsMedia
EL/PL Eligibility ProfWorkSplitsProperty
ELPL Eligibility Main Profession
ELPL Eligibility Miscellaneous Additional Profession 1
ELPL Eligibility Miscellaneous Additional Profession 2
ELPL Eligibility Miscellaneous Additional Profession 3
ELPL Eligibility Miscellaneous Additional Profession 4
EL/PL Eligibility - final
UK T/O percentage
EU T/O percentage
Other T/O percentage
PL/EL Per Capita basic fee
UK - per capita premium
EU - per capita premium
Elsewhere - per capita premium
PL/EL Per Capita Final Premium Calc
PL/EL Rate On T/O
£
UK - rate on T/O premium
£
EU - rate on T/O premium
£
Elsewhere - rate on TO premium
£
PL/EL Rate On T/O Final Premium Calc
PL/EL Final Premium
£

Limit Info

Calc Premium £100k
£
Minimum Premium £100k:
£
Premium for £100k:
£
Calc Premium £250k
£
Minimum Premium £250k:
£
Premium for £250k:
£
Calc Premium £500k
£
Minimum Premium £500k:
£
Premium for £500k:
£
Calc Premium £750k
£
Minimum Premium £750k:
£
Premium for £750k:
£
Calc Premium £1m
£
Minimum Premium £1m:
£
Premium for £1m:
£
Calc Premium £1.5m
£
Minimum Premium £1.5m:
£
Premium for £1.5m:
£
Calc Premium £2m
£
Minimum Premium £2m:
£
Premium for £2m:
£
Calc Premium £3m
£
Minimum Premium £3m:
£
Premium for £3m:
£
Calc Premium £4m
£
Minimum Premium £4m:
£
Premium for £4m:
£
Calc Premium £5m
£
Minimum Premium £5m:
£
Premium for £5m:
£

Refer and Declines

Work type refer message:
Work type decline message:
Miscellaneous work type 1 refer:
Miscellaneous work type 1 decline:
Miscellaneous work type 2 refer:
Miscellaneous work type 2 decline:
Miscellaneous work type 3 refer:
Miscellaneous work type 3 decline:
Miscellaneous work type 4 refer:
Miscellaneous work type 4 decline:
Miscellaneous work type 5 refer:
Miscellaneous work type 5 decline:
Territories refer message:
Territories decline message:
Current insurer refer Message:
Miscellaneous work type percentage refer:
Area of Construction refer message:
Area of Construction decline message:
Additional Info Refer message:
QC8 Refer Message:
QC9 Refer Message:
QC10 Refer Message:
QC11 Refer Message:
QC13 Refer Message:
QC14 Refer Message:
QC15 Refer Message:
QC16 Refer Message:
QC17 Refer Message:
QC18 Refer Message:
QC19 Refer Message:
QC20 Refer Message:
QC21 Refer Message:
QC23 Refer Message:
QC24 Refer Message:
QC26 Refer Message:
QC27 Refer Message:
QC28 Refer Message:
QC29 Refer Message:
QC30 Refer Message:
QC31 Refer Message:
QC32 Refer Message:
QC33 Refer message:
QC34 Decline Message:
QC35 Refer Message:
Statement1 Refer Message:
Statement2 Refer Message:
Statement3 Refer Message:
Statement4 Refer Message:
Statement5 Refer Message:
Statement6 Refer Message:
Statement7 Refer Message:
Statement8 Refer Message:
Statement9 Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type misc 1 Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type misc 2 Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type misc 3 Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type misc 4 Refer Message:
Largest Contract Value Size in the last 3 years and estimated for the next 12 months Work Type misc 5 Refer Message:
Largest Quantity Surveying contract value size in the last 3 years and estimated for the next 12 months Refer Message:
Largest Valuation size in the last 3 years and estimated for the next 12 months Refer Message:
Largest Insured Limit in the last year or estimated for the next 12 months Refer Message:
Insurance Broker Type percentage Refer:
Income Threshold referral message:
Limit referral message:
Indemnity Limit referral message for Probate:
Indemnity Limit referral message for chartered accountants:
DC Turnover Split B) Referral:
QC 12 Refer
QC22 Refer
QC25 Refer
Offices UK Yes No Refer