Professions

Professions

YOUR PROFESSIONAL BUSINESS ACTIVITIES REQUIRE YOU TO PROVIDE ADVICE OR SELL YOUR KNOWLEDGE AND SKILLS; WHATEVER SPECIALISM, WE’VE GOT YOU COVERED

ACCESS TO MARKETS & STRONG INSURER RELATIONSHIPS

We can offer access to all the UK’s leading insurers. We are a registered Lloyd’s broker so have relationships with all Lloyd’s markets.

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TO SPEAK TO AN EXPERT CALL

0161 419 3045

EXPERT GUIDANCE & ADVICE

Our brokers search the market to identify the best value protection and our in-house claims management provides support when you need it the most.

YOUR AIM IS CLIENT SATISFACTION
UNFORTUNATELY, IT’S NOT ALWAYS POSSIBLE!

Despite your diligence, it is not always possible to please every client. If a client is unhappy with your professional work, they may seek compensation.

We are human; on occasion we make mistakes. If you accidentally overlook something, you can be held personally liable for that omission.  You may believe there was no error, but disputes happen, and you could have to defend yourself against a claim.

Our professions package includes Professional Indemnity insurance to help you defend against claims and the cost of damages awarded.

INDUSTRY SECTOR

We provide protection for the following professionals (and many more!)

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ACCOUNTANTS
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ARCHITECTS
CONSULTANTS
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DESIGNERS
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ENGINEERS
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IT & TECHNOLOGY
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SURVEYORS
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SOLICITORS

INSURANCE COVERS

Aside from Professional Indemnity here is a small sample of the other insurances we provide for professionals   

We’ve included a concise explanation of each area of cover and how it works below. If the cover you require isn’t listed, don’t worry, talk to use because this is just a small sample of the most common covers we provide. You can also access a digital version of our full insurance covers guide here. Whilst we’ll always ensure you’re covered for almost all situations, if there’s a risk unique to you, please contact us and we will try to devise bespoke protection to meet your individual needs.

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PUBLIC LIABILITY

Public liability insurance will protect you and your business against compensation claims or the cost of legal action taken against your business if a third party is injured whilst on your premises or whilst you undertake work in their home or on their premises.

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STOCK & TOOLS

Cover for stock and tools whilst away from your business’s premises. Motor traders often require insurance protection for tools or motor parts whilst in transit.

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EMPLOYERS LIABILITY

If you employ one or more person, you are legally required to have Employer’s Liability cover at a minimum level of £5million but for larger organisations our insurers offer £10million as standard and our brokers can place much higher levels of indemnity. Claims limits on the policies apply to claims because of a single cause therefore we urge clients to consider whether the limits selected will be sufficient should there be multiple claimants.  The policy will cover the cost of compensation to an employee, as the result of an injury, illness, disease or death sustained because of their work. It will also cover the cost of legal expenses which would be incurred whilst defending a claim.

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BUILDINGS & PROPERTY

If you own a building from which a business operates whether tenanted or from which you run your own business, you will need to protect the bricks and mortar. Buildings insurance usually provides cover against flood, fire, storm damage, subsidence and theft. We can place cover for single commercial properties or commercial property portfolios. Cover can be extended to include Debris Removal, Builders Risk Insurance and Glass Insurance. Contents insurance cover will cover what is inside the building including fixtures, fittings and items such as furniture and computer equipment.

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VEHICLES & MOTOR FLEET

We can insure a single motor vehicle or a fleet of motor vehicles under one policy. Fleet insurance is available for all types of businesses and vehicles including cars, vans, trucks, minibuses, etc. so no matter what type of vehicles you have in your fleet, you can get them covered under one policy. Motor insurance protects your employees, your vehicles and other motorists against liability in case there is an accident. It provides financial compensation to cover any injuries caused to people or their property.

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ACCIDENT & ILLNESS PROTECTION

Employers or individuals can purchase this type of insurance protection.  The policies may pay either the employer (if they are the policyholder) or the individual compensation should they or one of their employees be unable to work because of Accident and Illness.

Policies usually cover temporary total disablement because of accident or illness. So, incidences where the insured is expected to recover. Benefit in these cases are usually paid as a daily or weekly benefit.

Permanent Total Disablement is also usually covered (for example loss of sight, loss limb and even death). Lump Sum benefits are usually paid for Permanent Total Disablement.

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PRIVATE MEDICAL

Health insurance or Private Medical Insurance (PMI) is a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. … Depending on the type of health insurance coverage, either the insured pays cost out of pocket and receives reimbursement, or the insurer makes payments directly to the provider.  

Policies can be purchased to cover specific conditions only, so for example, dental treatment, Surgical procedures only, orthopaedic treatment or cancer treatment.

There are a wide range of Private Medical Insurance products and Healthcare Plans available.

They can be purchased by an employer, as an insurance scheme, to protect the health and wellbeing of their employees (many employers offer Private Medical Insurance as an employment benefit) or by individuals and families.

Learn more about Private Medical Insurance here

Tysers have provided insurance for my cars and myself on three occasions, Road to Mandalay Rally 2015, Perking to Paris Rally 2016 and Atlas Rally 2018. On all three occasions I have been totally satisfied at their service and expertise. The test of an insurer, in my view, is when you have a claim. In the 2016 Peking to Paris Rally, I unfortunately had a big accident and Slovakia requiring hospitalisation, car recover and repatriation to Australia. The claim was handled professionally and fairly by people who truly “understood’ the problem. I would have no hesitation in using them again, indeed plan to do so, when requiring cover for the 2020 London to Sydney touring rally.”

PRIVATE INDIVIDUAL, RALLY GOER, AUSTRALIA

As a busy court of protection team we choose to work with professionals who understand our clients’ specific needs. The Tysers team, headed by the excellent Lesley Breen, are our go to broker. We know they will provide solutions to the problematic situations we face and the service provided by the whole team is second to none.”

SENIOR ASSOCIATE, LEADING LAW FIRM, MANCHESTER