Insurance Concept

A Summary Of The Insurance Act 2015

What Is The Insurance Act 2015? The Insurance Act 2015 is a legislation that came into effect on 12th August 2016. The act is designed to make insurance clearer and fairer by clarifying rules relating to your relationship with your insurer, including when your insurer is allowed to reject a claim. The Act itself however …

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'Civil' Written On Wooden Block

What Is Civil Liability?

Civil liability is very much part of everyday life as civil matters concern ordinary citizens, their rights and their protection. In its simplest terms, civil liability means the responsibility for actions and practices that could damage others, but which aren’t criminal. They are therefore not pre-meditated or against the law. Instead, civil liability concerns the …

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Architects Working On Plans

The Importance Of A Written Design Brief For Architects

We discuss why Architects should always prepare a written design brief for their projects and what can happen if this is overlooked. Table of Contents A recent Technology and Construction Court decision has highlighted the risk for architects (and their professional indemnity insurers) of failing to agree a design brief with their client in writing.  …

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File Folder Labelled As Claims

What Is The Difference Between Aggregate Cover And Any One Claim?

Professional Indemnity policies often appear to all be the same, offering similar levels of cover and generally covering the same twelve-month period. However, when looking at differing insurance policies, it is important to know whether cover is being provided for “in the aggregate” or “any one claim”. The amount of money that your insurer will …

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