Terms and Conditions

Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Reliance On Information Posted & Disclaimer
the materials contained on our site are provided for general information purposes only and do not claim to be or constitute legal or other professional advice and shall not be relied upon as such.

We do not accept any responsibility for any loss which may arise from accessing or reliance on the information on this site and to the fullest extent permitted by English law, we exclude all liability for loss or damages direct or indirect arising from use of this site.

Information about us
bestinsurance-commercial.co.uk is a site operated by Managed Risk Solutions ("We"); we are a Company registered in England and Wales under registration number 5854117. Our registered office is 10 Queensbridge, Northampton, Northants, NN4 7BF. Our VAT number is 896274666.
We are regulated by the Financial Services Authourity and authorised and regulated by the Financial Services Authourity.

Accessing our site
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Our site changes regularly
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Our liability
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:

  • loss of income or revenue;
  • loss of business;
  • loss of profits or contracts;
  • loss of anticipated savings;
  • loss of data;
  • loss of goodwill;

wasted management or office time; and
for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
Information about you and your visits to our site
We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Viruses, hacking and other offences
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Links from our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. When accessing a site via our website we advise you check their terms of use and privacy policies to ensure compliance and determine how they may use your information.

Jurisdiction and applicable law
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

Trade marks
bestinsurance-commercial.co.uk is a UK registered trade mark of Managed Risk Solutions LTD.

Variations
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Your concerns
If you have any concerns about material which appears on our site, please contact This email address is being protected from spambots. You need JavaScript enabled to view it. .

Thank you for visiting our site.

Privacy Policy

This privacy policy sets out how Managed Risk Solutions (Trading as bestinsurance-commercial) uses and protects any information that you give Managed Risk Solutions (Trading as bestinsurance-commercial) when you use this website.

Managed Risk Solutions (Trading as bestinsurance-commercial) is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Managed Risk Solutions (Trading as bestinsurance-commercial) may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 25/11/2013.

What we collect
We may collect the following information:
  • name and job title
  • contact information including email address
  • demographic information such as postcode, preferences and interests
  • other information relevant to customer surveys and/or offers
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
Internal record keeping.

We may use the information to improve our products and services.
We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at This email address is being protected from spambots. You need JavaScript enabled to view it.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to:

Managed Risk Solutions
10 Queensbridge
Northampton
Northants
NN4 7BF

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

What does Professional Indemnity insurance do?

What does Professional Indemnity insurance do?

Professional Indemnity insurance protects professional businesses against their legal liability towards third parties for injury, loss, or damage arising from their professional negligence or that of their employees.


Why is Professional Indemnity Insurance Needed?

Professional Indemnity cover protects your small business from financially crippling and often reputation-damaging claims by dissatisfied clients. Even the most respectable companies can find themselves in dispute with a client over a mistake. Below are some of the danger areas your small business could be exposed to:


  • Negligence - a breach of duty of care
  • Intellectual property - where you unintentionally infringe on someone's copyrights, trademarks, broadcasting rights, or you may inadvertently pass your business off
  • Loss of documents or data - damaged, lost or stolen data and documents belonging to your clients
  • Dishonesty - liability arising from the theft of your clients' money

What Cover Does a Professional Indemnity Policy Provide?

Professional Indemnity insurance works in a number of ways.

It will cover you if you make a mistake in the professional services you have provided should this lead to a dispute with a client. If the dispute becomes complicated, your insurer can defend your claim - right through to the High Court, if necessary. Even if you lose, the policy will still cover you for any damages you then become liable for, subject to the level of cover your business is insured for.


Professional Indemnity insurance will also cover the cost of fixing any mistake on your part, which will potentially help you avoid a larger claim. You are also protected by your Professional Indemnity insurance policy if you lose or damage any clients' documents or if one of your employees is involved in the theft of a client's money.


It is of critical importance that you maintain continuous Professional Indemnity insurance if this is a coverage you need, as the indemnity is on a 'claims made' basis and any gaps in time could result in an exposure.


How much Professional Indemnity Cover will my Business Need?

The amount of cover your small business needs depends entirely on the type of services it provides, so there is no general rule of thumb for how much cover your business will need. You know your business best and the sort of exposure it faces.

When deciding on the amount of Professional Indemnity cover to have you should consider the value of the work you are doing for your clients and the potential financial impact on them should it go wrong. Other than that, it's advisable to buy as much cover as you can afford.


Sometimes your client will set a minimum limit of the indemnity they require before you can work with them. This can depend on the specific nature of the services you've been contracted to provide, or they could have a set limit for all their service providers. Many UK government departments, for example, will require their contractors and consultants to have at least £5 million of cover.


It is also worth considering taking retroactive cover for work that you've already completed before the policy commences. This means that your Professional Indemnity insurance policy will cover you for any claims arising out of work you completed in the past. You will be given the option of taking out retroactive cover when you get your professional indemnity insurance quote.

Professional indemnity insurance for professional will writers

Almost without exception all "Professions" are required to carry Professional Indemnity insurance. Will Writing is no exception. It is recommended that all Professional Will Writers carry Professional Indemnity insurance to a limit of at least £2m.

The cost of Professional Indemnity insurance in the open market can be expensive for Will Writers, making it sometimes impossible to obtain cover at reasonable cost, leaving the Will Writers open to future claims and financial ruin. Even the cost of defending one's actions can run into many thousand of pounds.

MRSL in conjunction with leading insurers have arranged facilities to improve both the cost and flexibility of these arrangements.

MRSL are happy to assist you with regards both the examining and evaluation of needs and the sourcing of the best and most economical solutions to protect your Business.

What exactly is Professional Indemnity Insurance?

Professional Indemnity insurance covers your business against claims that may be made due to any civil liability, negligent act, error or omission in the conduct of your business that causes loss to a third party. The policy is there for your protection, to cover you and your business against any legal liability you may have for claims made against you by third parties and just as importantly the policy is there to defend you against allegations even if there is no liability at the end of the day.

How is cover arranged?

Professional Indemnity insurance is arranged on what is known as a 'claims made basis'. This means that you are covered by the policy in force when the claim is made even if you had a different policy when the work that is subject to a claim was undertaken. The benefit of this method of dealing with claims is that it helps you to keep your policy up to date with the work that you are doing and the levels of indemnity you need.

What happens when I retire?

When any professional practice comes to an end it is essential that it continues to have professional indemnity cover for claims which might be made after the practice has ceased, for work which it carried out previously.

Run-off cover is, in all respects, a standard professional indemnity insurance policy.

The only difference is that, as the insured is no longer practising, any claim under the policy is only going to relate to work carried out before the policy incepted. Accordingly, with run-off cover the likelihood of claims decreases as time goes by. This is taken into account in the pricing of the cover.

Just as there are more professional bodies which require members to have professional indemnity insurance while practising, they are also making run-off cover compulsory.

Your business is important — Let us ensure it stays safe.

Telephone or email us for a free consultation whether your present arrangements are due for renewal now or not.

A specialist service ensuring that you acquire the right protections.

Cheaper improper cover is still improper cover.

Our sole aim is to obtain savings in cost and improvements in the risk protection arrangements in force for your business.

We will ensure that the correct arrangements are in place and that you receive the "Best"!

Your business is important

Almost without exception all "Professions" are required to carry Professional Indemnity insurance. Will Writing is no exception. It is recommended that all Professional Will Writers carry Professional Indemnity insurance to a limit of at least £2m.

The cost of Professional Indemnity insurance in the open market can be expensive for Will Writers, making it sometimes impossible to obtain cover at reasonable cost, leaving the Will Writers open to future claims and financial ruin. Even the cost of defending one's actions can run into many thousand of pounds. MRSL in conjunction with leading insurers have arranged facilities to improve both the cost and flexibility of these arrangements.

MRSL are happy to assist you with regards both the examining and evaluation of needs and the sourcing of the best and most economical solutions to protect your Business.

What exactly is Professional Indemnity Insurance?

Professional Indemnity insurance covers your business against claims that may be made due to any civil liability, negligent act, error or omission in the conduct of your business that causes loss to a third party. The policy is there for your protection, to cover you and your business against any legal liability you may have for claims made against you by third parties and just as importantly the policy is there to defend you against allegations even if there is no liability at the end of the day.

How is cover arranged?

Professional Indemnity insurance is arranged on what is known as a 'claims made basis'. This means that you are covered by the policy in force when the claim is made even if you had a different policy when the work that is subject to a claim was undertaken. The benefit of this method of dealing with claims is that it helps you to keep your policy up to date with the work that you are doing and the levels of indemnity you need.

What happens when I retire?

When any professional practice comes to an end it is essential that it continues to have professional indemnity cover for claims which might be made after the practice has ceased, for work which it carried out previously.

Run-off cover is, in all respects, a standard professional indemnity insurance policy. The only difference is that, as the insured is no longer practising, any claim under the policy is only going to relate to work carried out before the policy incepted. Accordingly, with run-off cover the likelihood of claims decreases as time goes by. This is taken into account in the pricing of the cover.

Just as there are more professional bodies which require members to have professional indemnity insurance while practising, they are also making run-off cover compulsory.

Your business is important — Let us ensure that it stays safe.

Telephone or email us for a free consultation whether your present arrangements are due for renewal now or not.

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