SWW Info Pack 2020 | Page 12

insurance As a condition of membership, members must hold Professional Indemnity Insurance to a minimum level cover of £2 million. Insurance available through the SWW scheme** Professional Indemnity: An insurance that continues to protect you for the wills you have drafted in the past, after you have ceased will writing/estate planning activities. there is no liability at the end of the day. This exclusive member scheme will pick up any will writing done in the past, even prior to membership of the Society, provided some form of professional indemnity coverage has been kept. Plus, when you retire the policy allows for members to enjoy the security of cover for life with run-off available at minimal cost to themselves. The cover: What does it cover? Professional Indemnity insurance covers your business against claims that may be made due to any negligent act, error or omission in the conduct of your business that causes a loss to a third party. 9 The policy is there for your protection, to cover you and your business against any legal liability you may have for claims made against you by third parties and just as importantly the policy is there to defend you against allegations even if • Negligence or breach of professional duty. • The limit: £2.5 million to any one claim. • “Claims made” policy so you’re covered regardless of when the alleged breach or incident occurred. • Public Liability: £5 million cover included as standard. • Optional cyber insurance (see below).