The Professional Indemnity part of the policy to which this proposal form relates provides cover on a claims made basis.

This means that the Professional Indemnity part of the policy will only respond to claims and/or circumstances which are first made against the Insured and notified to the Insurer during the policy period.

The Professional Indemnity part of the policy will not provide cover for:-

• Events that occurred prior to the retroactive date of the policy (if specified).


• Claims made after the expiry of the policy period even though the Wrongful Act giving rise to the claim may have occurred during the policy period.


• Claims notified or arising out of facts or circumstances notified under any previous policy or noted on the current proposal form or any previous proposal form.


• Claims made, threatened or intimated prior to the commencement of the policy period.


• Facts or circumstances in your knowledge prior to the policy period, which you knew had the potential to give rise to a claim under the policy.

It is very important that you advise us of the correct values to be insured. If the amounts insured are not adequate this will result in the amount that we pay you in the event of a claim being reduced.

You must disclose to the Insurer all information which is material to it in deciding whether to issue insurance cover to you, including any facts or conduct which might lead to a claim being made against you. Failing to do so could affect your rights to indemnity.

If you do not understand any part of this document, please contact your Broker BEFORE YOU SIGN IT. You will be bound by the answers you give and the information you provide in this proposal form. It is in your interest to make sure that all information is correct and properly understood.

When in doubt - disclose

On return of this form, you will be asked to include the following:

• Standard client contract agreement
• Company brochure / additional information
• Claims information (if relevant)

Application for insurance effected by CFC Underwriting Ltd on behalf of certain Underwriters at Lloyd's of London.