Apa perbedaan General Liability v Professional Liability?

Banyak yang bingung apakah suatu klaim dijamin dalam Polis General Liability atau Professional Liability?

Financial Institutions Package Insurance

Download pdf version or Read in Bahasa Indonesia or Bilingual

The banking industry has entered an era of unprecedented change that will continue unabated well into the new century.

Konsep Dasar Professional Liability

Professional Liability is liability to third party arising from the performance of or failure to perform professional services 

Marine Professional Negligence Insurance (MPI) Policy

Marine Professional Negligence Insurance (MPI) covers professionals in marine industry for negligent acts, errors or omissions

“Civil Liability” vs “Negligence, Error or Omission” wordings in Professional Indemnity Policy

Civil Liability wording covers “civil liability” incurred by the Insured in the conduct of the Insured’s business

 

Simply speaking, civil liability is a civil law requirement to compensate another because of an unlawful injury to his/her person or property

ICT Claims Scenarios

Technology E&O – “Internet Content” – A health system accidentally posted the medical records of thousands of patients on the Internet. A class action suit was filed for alleged emotional distress of the effected patients.

 

Loss: The class action seeks damages in excess of $10 million and the federal government has notified the system to prepare for an investigation under HIPAA.

Professional Indemnity Insurance (PI) – What, Why & How?

versi bahasa Indonesia, klik disini

Any professional person or consultant who provides advice or services is exposed to ‘professional indemnity’ claims.

[Why] do your clients need protection?

Ø Any professional person or consultant providing advice or other services is exposed to claims of a “Professional Indemnity” nature

Professional harusnya Professional

“Being Professional” tidak hanya berarti melaksanakan tugas dan kewajiban dengan baik namun juga harus dengan penuh tanggung jawab (full responsibility). Mengapa demikian? Melaksanakan tugas dengan baik (duty) adalah kewajiban (obligation) but if something goes wrong sebagai professional anda harus bertanggung jawab.