Howden Professional Indemnity Insurance For Psychologists – The work carried out by professionals in the exercise of their activities may generate responsibilities towards clients and third parties.
Professional liability may be required of both the Company and its professionals who provide their services. The number of complaints from customers is increasing.
The causes of claim covered by a Civil Liability Insurance are based on:
- personal injury
- material damage
- Economic Damages as a result of previous personal and material damages.
Any third party harmed by a professional performance carried out can claim.
Law 2/2007, of March 15, on Professional Companies establishes the obligation to take out professional civil liability insurance, specifically applicable to companies that bring together several professionals in the sector.
“Although awareness of the importance of this insurance at the individual level was already widely rooted, the same was not happening at the business level, hence the need for a law that definitively clarified the issue.”
The Professional Civil Liability insurance guarantees the insured the payment of claims arising from claims filed against them during the period of insurance coverage attributable to any error or omission, real or presumed, committed in the exercise of their professional activity.
The definition of error or omission is broad and includes any alleged breach of duties, negligence, imprudence and, in general, any act for which the insured incurs liability in the exercise of his professional activity.
Article 74 of the Insurance Contract Law compulsorily includes legal defense coverage for all forms of civil liability insurance. Howden Iberia allows you to design a protection plan tailored to your activity with the following coverage.
Professional Civil Liability: Howden Professional Indemnity Insurance For Psychologists
It protects you or your office from claims made by third parties arising from your performance as a professional.
General Civil Liability / Exploitation
It protects you from claims arising from your general activity for damages caused to third parties.
Within the Exploitation CR, civil liability derived from radioactive facilities, food poisoning, damage to patient property, damage to parked vehicles, preservation and conservation, etc. is included.
Employers liability: Howden Professional Indemnity Insurance For Psychologists
It gives you protection against the claims of your employees derived from work accidents.
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Civil Liability of Government Boards or other Institutions
Coverage intended for the protection of the members of the Governing Boards or similar institutions in the performance of their associative or collegiate positions.
Professional Disqualification: Howden Professional Indemnity Insurance For Psychologists
It provides for a daily indemnity during the time it is under suspension issued in a final court ruling or during the period stipulated in the insurance contract.
Damage to Records: Howden Professional Indemnity Insurance For Psychologists
It protects you from claims arising from damages that you may have caused to your client’s files or documents.
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Defense and Bonds: Howden Professional Indemnity Insurance For Psychologists
We provide you with the legal defense and, where appropriate, the necessary bond to deal with the claims arising from the activities covered by the policy.
Main professions covered by Professional Civil Liability Insurance:
- Property Administrators
- IT and software companies
- Judges and Magistrates
- Travel agency
- Real estate agents
- Architects and Engineers
- Professional associations
- Auditors and Actuaries
- Professional Colleges
- Private detectives
- Economists Managers
- Doctors and Health Professions
- Journalists and Photographers
- Experts and Appraisers Press,
- Radio and Television
- Property Registrars