Headley Insurance Services Ltd
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PROFESSIONAL INDEMNITY INSURANCE 

Industries F - L

Examples of actual claims made and settled by Insurers.

Miscellaneous – F

 

 

Forestry Consultants

 

 

The Insured neglected to arrange insurance cover for a client’s listed woodland.

 

£40,000

 

Clerical errors were found in details of the sale of woodland.

 

£10,000

 

 

Forestry Managers

 

 

The Insured allegedly mismanaged a plantation resulting in the client incurring a financial loss.

 

£100,000

 

 

Fuel Economy Consultants

 

 

It was alleged that the Insured were negligent in their design of heating and lighting systems for a factory.  Substantial remedial works were required.

 

£600,000

 

 

Funeral Directors

 

 

The Insured retained the services of funeral directors to send the client’s husband’s body from the Continent to the UK.  Two bodies were mixed up and the client’s husband’s body was sent to the wrong destination.  Additional costs were incurred to rectify the situation.

 

£20,000

 

 

Freight Forwarders

 

 

It is alleged that the Insured failed to take reasonable care in the preparations for the carriage of equipment.  The equipment was damaged in transit.

 

£60,000


 

Miscellaneous – G

 

 

Graphic Designers

 

 

A text book drawing was adapted to use as a logo.  A third party sued for breach of copyright.

 

£35,000

 


 

 

Miscellaneous – H

 

Horticultural Consultants

 

 

A herbicide mixture specified by the Insured is claimed to have caused extensive damage to nursery seedlings.

 

£30,000

 

 

Hotel Consultants

 

 

An employee of the Insured made a number of errors involving two hotels.

 

£35,000

 


 

 

Miscellaneous – I

 

 

Interior Designers

 

 

The Insured was responsible for designing the layout for a restaurant.  It is alleged that the restaurant will not be able to cope with the intended number of diners and must be redesigned.

 

£130,000

 

In a dispute over fees the client issued a writ alleging negligence in connection with the refurbishment of a farmhouse.

 

£25,000

 

The Insured designed the layout of office premises and the client alleged that this was not in accordance with his requirements.

 

£25,000

 


 

 

Miscellaneous – L

 

Landscape Architects

The Insured designed the landscaping for a school including drainage.  The drainage system is alleged to be defective and a claim has been brought for the costs of correction.

£50,000

 

 

Legal Advice Centres

An Advice Centre acted on behalf of a client in respect of an injury claim, but allowed the claim to become statute barred.  The client could have been entitled to damages of £70,000 and this amount was awarded against the Centre plus interest and costs.

 

£100,000

The Insured failed to submit an application for unfair dismissal within the statutory item limit.  Compensation and loss of wages were claimed.

 

£10,000

The Insured omitted to mention the possibility of claiming under civil law against an employer when giving advice concerning an industrial disablement claim.

 

£10,000

 

 

Legal Costs Draughtsmen

 

Employees lost files belonging to clients where costs had not been assessed by the Insured.  The client may not be able to recover the legal costs.

 

£15,000

 

 

Legal Department

An employee was buying a new house and the Insured’s legal department, acting on his behalf, incorrectly dealt with the conveyancing.  As a result, the employee could not obtain a mortgage on the property.

£50,000

 

 

Livestock Auctioneers

The Insured acted in the sale of a client’s herd of cattle.  The client alleges that the livestock was sold for substantially less than the minimum price specified.

 

£100,000

 

 

Loss Adjuster

In negotiating a claim for damaged cargo the Insured neglected to apply for an extension in time limits for issuing legal proceedings, so the claim became time barred.

£100,000

The client alleged negligence against the Insured in connection with the processing of a consequential loss claim.

£50,000

 

Ensure that these claims don't happen to you and your company, please contact us now and we will be happy to advise you on a professional indemnity policy that is tailored specifically for your needs.

We can be contacted by telephone on 01420 594242, or by filling in our On-line Form.

 

 
Headley Insurance Services Limited is authorised and regulated by the Financial Services Authority in respect of general insurance business.
 
| Headley Insurance Services Ltd, William Curtis House, Lenten Street, Alton, Hants GU34 1HH |
| Offices also at: 1551 Wimborne Road, Kinson, Bournemouth BH10 7AZ |
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