Our adjudicator policies provide protection against:
Public Liability
Covers any injury or property damage caused while:
- Visiting sites to assess damaged items, property or equipment related to an insurance claim
- Attending third party sites for investigative/evidence gathering purposes
- Liaising with claimants at their home/office during the disputes process
For example, accidentally knocking over a priceless vase when visiting a household or business to investigate a flood claim.
Professional Indemnity
This provides protection if your claim judgement is successfully challenged or overturned, resulting in substantial financial loss for the parties involved. For example, if deciding a complex business interruption or home contents claim is invalid but this decision is overturned on appeal by a regulator or ombudsman, leaving the insurer or claimant facing a large pay-out.
We cover legal costs, compensation, damages and claimant loss of income in scenarios like this.
Legal Expenses Insurance
This pays for your own legal costs and provides specialist legal advice/representation if you face civil claims alleging negligence or unfairness relating to your work.
The policy helps defend you by covering lawyer fees and potential settlement monies against demands for large sums of compensation if errors have unfairly deprived claimants of expected policy pay-outs.
Cover For Contractors & Temporary Staff
Our adjudicator insurance policies extend to cover any temporary staff, freelancers or subcontractors you assign investigatory or decision making work to. This ensures you and any external loss assessors, liability investigators or legal experts you use are fully protected against claims arising from their assessment decisions or site visit accidents.
Additional Covers for Adjudicators:
We also offer further protections like:
Commercial Legal Expenses
Provides specialist legal advice and covers costs of certain business-related legal disputes such as breach of contract allegations or employment tribunals.
Office Equipment Insurance
Covers damage and theft of office equipment like computers, tablets and phones used to review claims evidence, compile investigation reports and communicate judgements to insurers/claimants.
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