Professional Indemnity (or Professional Liability Insurance) – Asuransi untuk Profesional
- Saturday, June 21, 2008, 11:54
- Contractors Liability, Directors & Officers (D&O), Liability Casualty, Professional Indemnity (PI)
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Professionals – You Are Accountable!
Profesional dewasa ini menghadapi tanggung jawab dan akuntabilitas yang sangat besar, mereka mungkin saja berhadapan dengan proses hukum yang sangat serius sehubungan dengan tugas dan kewajibannya, olehkarenanya Profesional sangat membutuhkan perlindungan Asuransi tanggung jawab hukum professional atau professional indemnity insurance
Setiap orang atau konsultan yang memberikan advis atau servis atau pelayanan bisnis sangat rentan akan terjadinya klaim ‘professional indemnity’ yang dapat mengakibatkan kerugian financial yang sangat besar bahkan lebih dari itu dapat mengakibatkan kehilangan reputasi, bahkan walaupun kita bisa mempertahankannya dipengadilan kitapun harus mengeluarkan biaya yang tidak sedikit.
Apa yang dijamin dalam Professional Indemnity (or Professional Liability Insurance)?
§ Legal Liability (Tanggung Jawab Hukum)
Menjamin Legal Liability (Tanggung Jawab Hukum) terhadap kerugian pihak ketiga yang terjadi dalam periode polis yang disebabkan oleh pelanggaran kewajiban profesi dalam menjalankan bisnisnya karena kelalaian, kesalahan yang dilakukan oleh tertanggung atau atas nama tertanggung.
§ Legal Cost and Expenses (Biaya-biaya pengacara dan pengadilan)
Menjamin biaya-biaya perkara, biaya pengacara, biaya pengadilan yang dikeluarkan sehubungan dengan klaim tersebut.
• Legal Liability (Tanggung Jawab Hukum)
To indemnify the Insured against legal liability for any Claim for compensation first made against the Insured during the Period of Cover for breach of professional duty in the conduct of the Professional Business Practice carried on by or on behalf of the Insured by reason of any negligent act, error or omission committed or alleged to have been committed on the part of the Insured.
• Legal Cost and Expenses
To pay the Costs and Expenses incurred in the defence or settlement of any Claim covered by the Policy.
Additional Features: Benefit Tambahan
Professional Liability (or Professional Indemnity) Insurance juga memberikan jaminan terhadap klaim-klaim seperti:
- Libel and Slander: Pencemaran nama baik secara tertulis maupun lisan
- Loss of Documents: Kehilangan dokumen
- Intellectual Property: Pelanggaran Hak Kekayaan Intelektual
- Joint Venture Liability: Perusahaan patungan
- Consultants, Subcontractors and Agents: Sub kontraktor
- Outgoing Principals Indemnity: Kegiatan diluar perusahaan
- Newly Created or Acquired Entity or Subsidiary: Perusahaan baru atau anak perusahaan
- Run-Off Cover Insured Entity or Subsidiary:
- Estates and Legal Representatives: Jaminan terhadap ahli warisnya
Dengan tambahan premi, Polis ini juga memberikan jaminan optional:
- Fraud and Dishonesty of Employees: Ketidakjujuran karyawan
- Previous Business Cover: Kegiatan bisnis sebelumnya
Siapa saja yang membutuhkan Professional Indemnity (or Professional Liability Insurance)?
Setiap orang atau perusahaan yang memberikan advis dan atau jasa yang membutuhkan keahlian khusus membutuhkan polis ini seperti:
Real Estate agents
Child Care centres
Untuk mendapatkan proposal dan penutupan atau pertanyaan mengenai Professional Indemnity (or Professional Liability Insurance)
Dapat menghubungi saya di
Or phone: +628128079130
Oleh: IMAM MUSJAB di http://ahliasuransi.wordpress.com/
Studi Kasus klaim Professional Indemnity (or Professional Liability Insurance)
• The Advertising Agency
An advertising agency was organising a big campaign for a client for the launch of a new product. The campaign consisted a series of TV commercial. Each week a new commercial would be broadcast and over time the “story” would unfold. Unfortunately, the agency mixed up the labelling of the ads and the second week’s episode was aired prior to the first. The client insisted that the agency pay for the extra air time required to rectify the situation.
• The Valuer
A valuer negligently overvalued a commercial building, and mortgage finance was advanced on this recommendation. The borrower subsequently defaulted, obliging the lender to put the property up for mortgagee sale. To recover the deficit, the lender sued the valuer
• The Engineer
An engineer was engaged to carry out the structural design of a large sports complex. Halfway through the construction, it become apparent that the complex would not be structurally sound and would have to be re-designed. All the construction work that had taken place had to be demolished. The engineer was clearly liable and paid for all resulting losses.
• The Architect
An architect drew up plans for building which a property developer had been commissioned to build, accordig to certain specifications. Once completed, the purchaser refused to settle the contract, alleging that the buiding did not meet the agreed specfications. The developer was able to find another buyer, but for a much lower price. The developer sued the architect for the difference, together with his additional costs.
• The Health & Safety Consultant
A health and safety consultant was contracted by a big manufacturing company to assess their production system and advice on improving the safety of the factory. There had been a recent spate of accidents which the company was determined to avoid in the future. The consultant inspected the work area and produced a report highlighting various changes to made. All recommendation were followed by the company, some of which involved modifying the design of production line. However, the company soon realised that the new set-up potentially hazardous in a completely different way and sued the consultant for the cost of rectifying the problem.
• The Mortgage Broker
A first-time home buyer consulted a mortgage broker to arrange a mortgage on the best term available in the market. After the broker finalised the mortgage with a certain bank, the buyer discovered that another bank had been offering a lower interest rate, and there were no fees. The buyer claimed against the broker for the fees incurred, plus the cost of the interest for the difference in the two rates over the period during which his rate had been fixed.
• The Forestry Consultant
A forestry consultant was hired to manage a forest. He developed a program including appropriate times for pruning, which was strictly followed. The trees did not seem to thrive so the forest owners called in another forestry expert who was “horrified” at the advice given by the consultant. As the timber porduced was no longer going to be export quality because of the large-sized knots in the wood, the forest owners sued the consultant for damages.