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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    What is indemnity insurance?


    Indemnity insurance is a policy that protects the owners, the management and the workers in an organisation. It applies to cases where they are liable for an event or a number of events that are the direct or indirect result of their misjudgement, negligence, or mismanagement. Examples of indemnity insurance include:

    • Errors and Omissions Insurance

    • Professional Indemnity Insurance

    • Health Indemnity Insurance

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    Indemnity insurance is a means to compensate policy holders against actual economic losses. The compensation is however restricted by the insurance policy’s limiting amount. The recovery of losses is dependent on proof of the amount of loss suffered by the beneficiary of the policy, and regardless of the policy’s face amount, recovery will only be equal to the proven amount of loss.

    Professional Indemnity Insurance

    A form of liability insurance, professional indemnity insurance protects individuals and companies who provide services, including advice, such as lawyers, brokers, consultants, medical practitioners, plumbers, and even NGOs in some cases among various other professions. It prevents them from having to bear the complete costs of fighting negligence claims and civil lawsuit damages awards.

    Professional indemnity insurance was created because traditional general liability insurance policies do not protect against claims that haven’t caused personal, physical or property damage to the claimant, such as negligence, inaccurate advice, misrepresentation, or a violation of good faith.

    Errors and Omissions Insurance

    The errors and omissions (E&O) insurance is most often required and sought in financial industries, and is widely used by professionals such as brokers, agents, consultants, and lawyers. It protects against claims of inadequate and/or negligent work and covers any settlements as per the insurance contract in addition to the costs incurred at court.

    Lawsuits and compensation claims are incredibly common in financial industries, even if they are usually baseless and founded upon misperceived grievances. As such, E&O insurance is often required by company investors and by regulatory bodies like FINRA to protect against the high costs of such lawsuits.

    Health Indemnity Insurance

    Under the health indemnity insurance policy, you can choose to visit any doctor or healthcare facility without the need of any referrals. It might require you to pay for the healthcare services yourself and then claim reimbursement from your insurance company later. This policy is often used by people who are between two health plans.

    Call Accident Advice Helpline on 0800 689 0500 if you require further information and/or advice about indemnity insurance, or for help in making a claim for reimbursement/compensation.

    Date Published: January 5, 2014

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority. Authorised and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.