Professionals

Why choose NIG for Professionals?

Introductory no claims discount available at new business.
No claims discount available at renewal.
Up to 15 workers allowed.
More than 200 trades accepted.
Option to insure hair and beauty treatments (the limit of indemnity will be the same as the Public Liability indemnity limit selected).
Option to vary the Public Liability excesses.
Money Cover is included as standard for £1000 in Transit, in bank night safes and in private residence of insured or authorised employee.
Option to include Injury to Working Partners under Employers Liability.
Option to add Tools and Business Equipment which includes laptops and mobile phones.
Option to add Personal Accident (24 hours a day) for bodily injury resulting in death or disablement.
Public Liability and Employers Liability extended to include Court Attendance Costs connected to a claim up to £500 per day for each director/partner and £250 per day for each employee.
Free 24 hour advice lines for health and medical assistance, legal advice and stress counselling.

Cover	Maximum Limits (up to)
Public Liability	£10,000,000 (£1,000,000)
Money in transit or in a bank night safe	£5,000 (£1,000)
Money in private dwellings	£2,500 (£1,000)

Cover	Maximum Limits (up to)
Employers Liability	£10,000,000
Tools and Business Equipment	£10,000 per worker
Business Stock	£5,000
Personal Accident	Capital Benefits £50,000
Hair and Beauty Treatment	Same as PL requested limit

The amount in brackets denotes the standard limit provided.

This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.