Quotation Request

Professional Indemnity - Direct

General Questions
Cover Options
Liability Questions
Cyber Questions
Additional Questions
Additional Notes
*Hidden* Subjectivities
*Hidden* Limit Info
*Hidden* Calculations
*Hidden* Cyber Calculations
Underwriting

General Questions

Name of the business to be insured:
Are there any additional names to be Insured?
Additional names to be Insured:
Name of Insured
Add row
Insured Address:
Cover Inception Date:
Client Email and Password
The password needs to be at least 8 characters
The password needs to have at least 1 capital letter
The password needs to have at least 1 number character
The password needs to have at least 1 special character




What is the main trade or profession of the business?
Other / Unlisted Trade - please specify:
What is the percentage split of the trade or profession:
%
What is the second trade or profession?
Other / Unlisted Trade - please specify:
What is the percentage split of the second trade or profession:
%
Total of Trades
%
What is the annual gross fees/turnover for the last complete financial year? (or estimated first year income for new ventures)
£
What is the estimated gross fees/turnover for the current year?
£
Does all of the gross fees/turnover declared emanate from within the UK?
What is the gross fees/turnover percentage in the following Territories for the last complete financial year (or estimated first year for new ventures):

United Kingdom, Channel Islands or Isle Of Man:
%
European Union (Ex UK):
%
USA/Canada where contracts are subject to local law:
%
USA/Canada where contracts are NOT subject to local law:
%
Elsewhere:
%
Please provide full details:
Total of Territories
%
What year was the business established including any predecessor business?
How many years experience do the principals have?
Are all principals, partners, members, directors and consultants suitably qualified for the services they provide or have at least 5 years relevant experience?
Please provide full details:
In connection with this business including predecessors, in the last 10 years has anyone brought or threatened to bring a claim including dishonesty, whether successful or not, against the business in relation to the covers being sought?
Please provide full details:
DateTypeDescriptionCostStatus
Add row
Are you aware of any circumstance which could reasonably be foreseen to give rise to a claim against the business or you or any of the present or former principals, directors, partners or employees or previous trading companies?
Please provide full details:
Does the business currently have PI cover?
What is the Retroactive date stated on the current policy?
Retroactive date is required prior to binding cover
Please confirm the following statements are true:

1. The business has never done any work in any territories that are subject to United Nations or UK government sanctions.

2. You do not currently have a Professional Indemnity policy with Elmlake Underwriting.

3. In the last 10 years the business has not had any insurance cancelled, had an insurance renewal refused or special terms imposed by an insurer.

4. In the last 10 years the business, no director or partner of the business has been served with a County Court Judgement (or Decree if in Scotland), whether paid or not, has never been a director or partner of any company which went into receivership, administration or liquidation, has never been disqualified from being a company director, declared bankrupt or subject to an IVA, trust deed or debt relief order.

5. In the last 10 years the business, no director or partner in the business has either personally or in any business capacity been charged with a criminal offence apart from a motoring conviction dealt with by the issue of a fixed penalty notice or an offence that is now considered "spent" under the Rehabilitation of Offenders Act 1974.

6. All contracts including changes are confirmed in writing with precise scope of services stated.

7. The business in the last 6 years has not included any contracts where your client's total contract spend is in excess of £5,000,000.

8. Your work has never included any involvement with asbestos or materials containing asbestos, nuclear installations or with any nuclear materials, oil, gas, petrochemical or chemical works or any such storage facilities, offshore facilities, railway or airport infrastructure including trains and aeroplanes or other aeronautical devices, the automotive sector, public utility infrastructure (for example: power transmission lines, gas or water supply systems), docks, harbours, canals, watercourses or boatyards, bridges, tunnels, dams or mines or hospitals or other medical facilities, medical equipment, the provision of medical staff or the pharmaceutical sector.

Please confirm the following statements are true:

1. The business has never done any work in any territories that are subject to United Nations or UK government sanctions.

2. You do not currently have a Professional Indemnity policy with Elmlake Underwriting.

3. In the last 10 years the business has not had any insurance cancelled, had an insurance renewal refused or special terms imposed by an insurer.

4. In the last 10 years the business, no director or partner of the business has been served with a County Court Judgement (or Decree if in Scotland), whether paid or not, has never been a director or partner of any company which went into receivership, administration or liquidation, has never been disqualified from being a company director, declared bankrupt or subject to an IVA, trust deed or debt relief order.

5. In the last 10 years the business, no director or partner in the business has either personally or in any business capacity been charged with a criminal offence apart from a motoring conviction dealt with by the issue of a fixed penalty notice or an offence that is now considered "spent" under the Rehabilitation of Offenders Act 1974.

6. All contracts including changes are confirmed in writing with precise scope of services stated.

7. The business in the last 6 years has not included any contracts where your client's total contract spend is in excess of £2,000,000.

8. Your work has never included any involvement with asbestos or materials containing asbestos, nuclear installations or with any nuclear materials, oil, gas, petrochemical or chemical works or any such storage facilities, offshore facilities, railway or airport infrastructure including trains and aeroplanes or other aeronautical devices, the automotive sector, public utility infrastructure (for example: power transmission lines, gas or water supply systems), docks, harbours, canals, watercourses or boatyards, bridges, tunnels, dams or mines or hospitals or other medical facilities, medical equipment, the provision of medical staff or the pharmaceutical sector.

Please provide full details:

Cover Options

The standard excess applicable to this section of cover is:

£100
The standard excess applicable to this section of cover is:

£250
The standard excess applicable to this section of cover is:

£500
The standard excess applicable to this section of cover is:

£1,000
The standard excess applicable to this section of cover is:

£1,500
The standard excess applicable to this section of cover is:

£2,500
The standard excess applicable to this section of cover is:

£3,000
The standard excess applicable to this section of cover is:

£3,500
The standard excess applicable to this section of cover is:

£5,000
The standard excess applicable to this section of cover is:

£7,500
After the quote has been submitted, you will be presented with all available excess options along with the corresponding premium.
***HIDDEN***Excess selected:
£
Employers’ Liability cover?

Liability Questions

Do you or any sub-contractors working on your behalf undertake any work or provide any services of a manual nature such as installation, construction, alteration, maintenance &/or repair other than IT hardware &/or software installation?
Please provide full details:
Do you undertake any work on offshore rigs or platforms?
Please provide full details:
Do you or by others on your behalf, manufacture &/or supply any product other than IT/Software products?
Please provide full details:
Do you work in or travel to (for work) any country that the foreign & commonwealth office advices not to travel to?
Please provide full details:
Please confirm your Employers Reference Number(s) for each separate entity insured (required for Employers Liability Insurance only) or exempt reason from the following options:

1. The entity has no employees
2. All staff employed earn below the current Pay As You Earn (PAYE) threshold
3. The company is not registered in England, Wales, Scotland or Northern Ireland

Please enter 'TBA' in the ERN field if the ERN isn't known at this time

Company NameParent (P) or Subsidiary (S)ERN NumberExempt?Exempt ReasonSubjectivity to be added
Add row
ERN Subjectivity to be added
Wageroll
Annual wageroll (before deductions) plus dividends, overtime, allowances, commissions, bonus payments, the employee’s own National Insurance and any private pension contributions
£

Cyber Questions

Cyber Security

PLEASE CONFIRM 'YES' TO THE BELOW
Access to all servers, firewalls, and IT infrastructure components has been restricted to appropriate personnel only.
You take backups at least weekly which are stored separate from your network, e.g. off-line or with a specialist cloud hosting service.
You have one or more firewalls protecting external access to your systems.
All system users have individual, mandatory and non-trivial user IDs and passwords.
You protect all PCs and servers with anti-virus that you update regularly.
You protect all remote access, including access to cloud environments and MS Office 365 if used, with encrypted connections such as a VPN.
You have deployed MFA for all remote access, including access to cloud environments and MS Office 365 if used.
You have a disaster recovery plan that you test at least annually.
Cyber Crime

PLEASE CONFIRM 'YES' TO THE BELOW
You provide regular training and education to employees in relation to social engineering including phishing & vishing?
You have dual sign-off for all payments more than 10,000?
You have a process to verify the existence and ownership of all new clients, customers, and suppliers?
All requests to change contact or banking details by any client, customer or supplier are verified with a known contact at the client, customer, or supplier (NOT using the details provided within the request) prior to making any changes?
You verify invoices against corresponding purchase orders prior to issuing payment?
Declaration

PLEASE CONFIRM 'YES' TO THE BELOW
You are NOT aware of any cyber incidents, personal information compromises, privacy violations, unscheduled network outages, copyright issues or other incidents or events that could give rise to a claim under a cyber insurance policy?

Additional Questions

Are you a member of the ICAEW, ICAS or ICAI?
Are you a member of the ACCA?
Have you ever undertaken any of the following:

- Work for Quoted Companies or PLCs; or
- Work for Lloyd's of London companies or names; or
- Work involving Insolvencies, Liquidations and Receiverships (other than Individual Voluntary Arrangements); or
- Corporate taxation work (other than compliance taxation); or
- Work for clients in the entertainment or sporting industry or celebrity clients; or
- Investment &/or financial services work including pensions advice, sales or planning; or
- Mergers and acquisitions or disposals work; or
- Trusteeships, Executorships or directorships; or
- Tax avoidance or mitigation Schemes even as an introducer; or
- Probate work, Estate Administration, Will Writing or other legal services?
Please provide full details:
Are you a member of the Royal Institute of Chartered Surveyors and require RICS-compliant cover?
Have you ever undertaken any contracts that involve any of the following:

- Chat rooms or bulletin boards; or
- Design of computer games or games publishing; or
- Design of systems used by financial institutions to transact securities, currencies, commodities or other tradeable financial instruments; or
- Cryptocurrency; or
- Acting as an Internet Service Provider (ISP) or a Managed Service Provider (MSP); or
- Control of medical decision-making processes?
- Manufacturing process control systems or control of flood or pollution control systems?
Please provide full details:
Have you ever undertaken work for financial services companies?
Have you ever undertaken the role of Statutory Actuary or work in a role that involves product pricing or setting reserves?
Have you only ever undertaken risk modelling and compliance work?
Please provide full details:
Have you only ever provided services which are approved by your principals before being implemented?
Have you ever undertaken any interim management roles?
Please provide full details:
Have you only ever placed:

- Permanent staff; and/or
- Temporary clerical & IT staff?
Have you ever placed any staff into the offshore, nuclear, rail, aviation, safety critical, medical or care sectors?
Please provide full details:
Have you ever undertaken any structural design work?
Have you ever acted as an attorney under an enduring or lasting power of attorney?
Have you ever provided:

- any reserved legal services under the regulation of the Law Society or Bar Council; or
- any conveyancing?
Have you only ever acted as a Commissioner For Oaths, Judge, Justice of the Peace or Expert Witness?
Are you a practising Solictor or Lawyer?
Have you ever had authority to undertake any claims settlements?
Do you provide energy assessments?
Please provide full details:
Do you only provide assessing services in respect of insurance, insurance claims, NVQ and other qualifications and/or education & training assessments?
Please provide full details:
Have you ever undertaken any contracts involving any of the following:

- Setting out, soil or site engineering; or
- Own property development; or
- Non destructive testing or safety-critical design work; or
- Stand-alone foundations, underpinning or piling; or
- Basement excavations; or
- Geotechnical work; or
- Cavity wall insulation; or
- Cladding (including rainscreen systems) or curtain walling?
Please provide full details:
Have you ever undertaken any contracts involving any of the following:

- Developments of more than 5 houses; or
- Lifting equipment or bulk handling equipment; or
- Structural engineering; or
- process engineeering &/or process control systems; or
- Civil engineering projects; or
- High rise projects over 18 metres; or
- Renewable energy including solar, wind and Hydro; or
- Anaerobic digesters; or
- Sports facilities used for professional sport or any swimming pool; or
- Flood defence, water, drainage or sewerage treatment schemes; or
- Clean rooms and medical equipment; or
- Amusement rides?
Please provide full details:
Have you ever undertaken any contracts involving any of the following:

- Developments of more than 5 houses; or
- Lifting equipment or bulk handling equipment; or
- process engineeering &/or process control systems; or
- Civil engineering projects; or
- High rise projects over 18 metres; or
- Renewable energy including solar, wind and Hydro; or
- Anaerobic digesters; or
- Sports facilities used for professional sport or any swimming pool; or
- Flood defence, water, drainage or sewerage treatment schemes; or
- Clean rooms and medical equipment; or
- Amusement rides?
Please provide full details:
Have you ever undertaken any work for radio and television adverts?
Have you ever undertaken any contracts involving mailshots or other direct marketing?
Have you ever organised events specifically for children?
Please provide full details:
Have you ever arranged and retained any liability for transport or accommodation for clients and their guests?
Please provide full details:
Have you ever valued property for lending purposes?
Are the services you provide purely estate agency, lettings agency and/or property management?
Please provide full details:
What percentage of your income is derived from Commercial estate agency, Commercial property management and/or residential block management?
%
Please provide full details:
Have you ever undertaken any setting out?
Please provide full details:
Have you ever undertaken technical authorship involving medical products or systems?
Please provide full details:
Have you ever written any biographies or ghost-written any autobiographies?
Please provide full details:
Have you ever undertaken sampling or site testing work?
Have you ever consulted, sampled or tested for waste or contamination?
Please provide full details:
Have you ever worked offshore or worked for the oil, gas or petrochemical industries?
Please provide full details:
Have you ever provided NHS community-based eye care services?
Please provide full details:
Have you only ever provided tuition in computing, secretarial skills or academic subjects?
Have you ever tutored vulnerable adults or persons under 18 years of age?
Have you ever undertaken sports coaching?
Please provide full details:
Have you ever undertaken user training for either:

- Manual handling; or
- Use of construction plant and equipment?
Please provide full details:
Have you ever undertaken demonstrations involving:

- Live fire fighting; or
- Welding; or
- Hot roofing?
Please provide full details:
Have you ever:

- Undertaken any design work; or
- Issued any variation notices or are any issued on your behalf?
Please provide full details:
Please provide details of your income split by the following services:

Turnover where you design and construct from your own design* and provide full technical supervision:
%
Fee income where you provide design* and technical services but have no involvement in the construction:
%
Please provide full details:
Turnover where you construct from others design* (performed on your behalf) under your own supervision:
%
Turnover where you construct from others design* (performed on your behalf) under the supervision of a third party:
%
Turnover where you construct but have no responsibility for any aspect of the design* (ie. you work to designs provided by your client or the main contractor:
%
All other turnover:
%
Please provide full details:
Total
%
Have you ever worked at any facility used for professional sport?
Has all your work always been undertaken at domestic premises?
Please provide full details:
Have you only ever tiled internal floors and walls, excluding swimming pools?
Have you ever participated in the clinical trial of a medicine or medical device?
Please provide full details:
Have you ever undertaken work as a Qualified Person?
Have you only ever undertaken work in respect of regulatory compliance?
Please provide full details:
Have you ever provided Legal and/or Financial advice
Are you only involved in domestic goods?
Please provide full details:
Does any of your work involve process engineeering &/or process control systems?
Please provide full details:
Has your work ever involved destructive fire risk assessments, external wall combustibility assesssments, fire doors, safety systems design &/or fire engineering services?
Do you only provide heath & safety audits, provision of health & safety policies and/or heath & safety training services?
Please provide full details:
Have you ever provided services in relation to site investigation, planning appraisal and/or investment advice?
Please provide full details:
Has your work ever involved valuation, fire safety, cladding, basements, swimming pools, construction projetcs including project management, pollution & contaminated land, structural design, accountancy, audit, taxation work, medical advice, medical diagnosis, medical treatment, financial advice, legal advice, investments, mergers & acquisitions, disposals, liquidations, receiverships, insolvency and/or any work regulated by the Financial Conduct Authority?
Please provide full details:
Have you ever provided any insurance intermediation services?
Do you assume liability in contract for any persons placed?
Please provide full details:
Have you ever undertaken any contracts involving any of the following:

- Developments of more than 5 houses; or
- Lifting equipment or bulk handling equipment; or
- process engineeering &/or process control systems; or
- Structural engineering; or
- High rise projects over 18 metres; or
- Renewable energy including solar, wind and Hydro; or
- Anaerobic digesters; or
- Sports facilities used for professional sport or any swimming pool; or
- Flood defence, water, drainage or sewerage treatment schemes; or
- Clean rooms and medical equipment; or
- Amusement rides?
Please provide full details:
Has your work ever involved non-destructive fire risk assessments?

Additional Notes

Additional Notes

*Hidden* Subjectivities

Do you want to add Subjectivities?
Note:
Subjectivities can only be applied by Elmlake underwriters and cleared/completed by Elmlake underwriters
All fields are 'mix & match' with the various options available from a drop down including a free format option for most
Once a subjectivity is satisfied it can be removed from documentation

Subjectivities Applying:
CoverSubjectivity Deadline Terms until completed Consequences if not completed
Add row

*Hidden* Limit Info

Alternative Premiums to be displayed?
Calc PI Premium 100k
£
Minimum PI Premium £100k:
£
Premium for £100k:
£
Policy Premium for £100k
£
Calc Premium £250k
£
Minimum Premium £250k:
£
Premium for £250k:
£
Policy Premium for £250k
£
Calc Premium £500k
£
Minimum Premium £500k:
£
Premium for £500k:
£
Policy Premium for £500k
£
Calc Premium £1m
£
Minimum Premium £1m:
£
Premium for £1m:
£
Policy Premium for £1m
£
Calc Premium £1.5m
£
Minimum Premium £1.5m:
£
Premium for £1.5m:
£
Policy Premium for £1.5m
£
Calc Premium £2m
£
Minimum Premium £2m:
£
Premium for £2m:
£
Policy Premium for £2m
£
Calc Premium £2.5m
£
Minimum Premium £2.5m:
£
Premium for £2.5m:
£
Policy premium for £2.5m
£
Calc Premium £3m
£
Minimum Premium £3m:
£
Premium for £3m:
£
Policy Premium for £3m
£
Calc Premium £4m
£
Minimum Premium £4m:
£
Premium for £4m:
£
Policy Premium for £4m
£
Calc Premium £5m
£
Minimum Premium £5m:
£
Premium for £5m:
£
Policy Premium for £5m
£

*Hidden* Calculations

RatesVersion
CyberRateVersion
DocumentVersion
PolicyType
OriginalRatesOrRatesReRun
This field will be set in the renewal rating file if any sums insured are to be subject to index linking at renewal.
This field is used as a check to determine how many times the rating has been run at renewal.
This essentially prevents index linking being applied to a sum insured more than once if the rates are updated on the matrix tab or via the Re-Run Rules button.
UMR
PolicyNumberPrefix
Is there a 2nd Trade?
Is there US/Can Turnover?
Is there PL Cover Selected?
Is there Cyber Cover Selected?
Subjectivities Added?
BQ1 Questions?

Category Codes

Trade 1
Main Trade Adjusted
This field is used in the documents to remove brackets from trades for display purposes.
Refer/Decline Main Trade
PI Wording
Lock PI Wording?
D&C Category
PI Proposal
PI LOI Basis
Lock PI LOI Basis?
Costs & Expenses
Lock Costs & Expenses?
LLoyds Risk Code
Lock LLoyds Risk Code?
PI Min Prem Code
Is Main Trade D&C?
Accountancy Type Main Trade
ICAEW or ACCA
Wording Type TM, PI or EA for Main Trade?
Extra Business Description T1 YN?
Trade 2
Second Trade Adjusted
This field is used in the documents to remove brackets from trades for display purposes.
Refer/Decline Trade 2
PI Wording Trade 2
Lock PI Wording Trade 2?
D&C Category Trade 2
PI Proposal Trade 2
PI LOI Basis Trade 2
Lock PI LOI Basis Trade 2?
Costs & Expenses Trade 2
Lock Costs & Expenses Trade 2?
LLoyds Risk Code Trade 2
Lock LLoyds Risk Code Trade 2?
PI Min Prem Code Trade 2
Is second trade D&C?
Accountancy Type Trade 2
ICAEW or ACCA
Wording Type TM, PI or EA for Trade 2?
Extra Business Description T2 YN?

Claims Calculations

Claims in last year
Claims in last 2 years
Claims in last 3 years
Claims in last 4 years
Claims in last 5 years
Claims in last 6 years
Claims in last 7 years
Claims in last 8 years
Claims in last 9 years
Claims in last 10 years
Years Claim Free
Years Trading

D&C Calculations

Full D&C (In-house design)
£
Design Only (Fee income)
£
Contingent 1 - Own Supervision
£
Contingent 2 - Other Supervision
£
Contracting only (No Design Risk)
£
Other
£
D&C Rateable Turnover
£
Full D&C Trade 2
£
Design Only Trade 2
£
Contingent 1 Trade 2
£
Contingent 2 Trade 2
£
Contracting Only Trade 2
£
Other Trade 2
£
D&C Rateable Turnover Trade 2
£

Size Discount Calculation

Size Discount Formula Main Trade
Size Discount Formula Trade 2
Use Higher ILFs?

US/Canada Calculations

Non Jurisdiction Load
Jurisdiction Load
US/Canada Jurisdiction Min Premium
US/Can Non Jurisdiction Min Premium
US/Can Min Premium Applied
if applicable
Lock Jurisdiction for Documents PI?
Lock Territorial Limits?
Lock Jurisdiction for Documents PL?

Matrix Calculations

PI LOI Selected
£
PL LOI Selected
£
Excess Applied
£
PL Base Rate
£
EL Base Rate
£
Main Trade Turnover
£
Trade 2 Turnover
£
Non D&C PI Rate Main Trade
Non D&C PI Rate Trade 2
D&C Rate Main Trade
D&C Rate Trade 2
Main Trade Premium
£
Size Discount Main Trade
£
Second Trade Premium
£
Size Discount Trade 2
£

Discounts and Loads

US/Canada Jurisdiction
£
US/Canada Non Jurisdiction
£
Excess Adjustment
£
NCD
£
Exp Discount
£
Market Discount
£
PI Calc Total
£
LOI Adjustment
£
PL Calc Total
£
EL Calc Total
£
Highest Min Premium Code

Split Premium Calculations

PI Premium Main Trade Split
£
PI Premium Trade 2 Split
£
Amlin PI Premium
£
Scor PI Premium
£
Amlin Percentage Split
Scor Percentage Split
Amlin Policy Premium
£
Scor Policy Premium
£

BQ Question Codes

PI BQ1
PI BQ2
PI BQ3
PI BQ4
PI BQ5
PI BQ1 Trade 2
PI BQ2 Trade 2
PI BQ3 Trade 2
PI BQ4 Trade 2
PI BQ5 Trade 2
Wording Trade
Lock Wording Trade?
Claims

Commission Calculations

Commission From Insurer %
Gross Premium PI
£
Commission From Insurer £
£
Original Agent Commission £
£
Revised Agent Commission £
Revised Agent Commission %
Gross Premium PL
£
Commission From Insurer £ PL
£
Original Agent Commission £ PL
£
Revised Agent Commission % PL
Revised Agent Commission £ PL
Gross Premium EL
£
Commission From Insurer £ EL
£
Revised Agent Commission % EL
Revised Agent Commission £ EL
Gross Premium CY
£
Commission From Insurer £ CY
£
Original Agent Commission £ CY
£
Revised Agent Commission % CY
Revised Agent Commission £ CY
£
Agent Account ID

*Hidden* Cyber Calculations

Limit of Indemnity
£
Inner Crime/Social Eng Limit
£
Excess
£
Crime Excess
£

Underwriting

Referred to London?

Commission

Agent Standard Commission %
Amend Agent Standard Commission
Amended Agent Commission %

Load / Discount

Override NCD
Adjusted PI Premium
£
Adjusted PL Premium
£
Adjusted EL Premium
£
Adjusted Cyber Premium
£

Minimum Premium

Amend Minimum Premium Code Main Trade?
New minimum premium code for main trade
Amend Minimum Premium Code for 2nd Trade?
New minimum premium code for 2nd trade