LIABILITIES INSURANCES
Providing products to protect corporates and indviduals against third party claims.
Our Liabilites team provides products to protect the insured party against liability exposures imposed by lawsuits or similar legal actions, and covers claims resulting from injuries and damage to people and/or property or pure financial loss. Liability insurance policies cover both legal costs, damages and related (specifically named) costs for which the insured party would be responsible if found legally liable. Read more about our products below:

GENERAL & PRODUCT LIABILITIES
General and Product liability insurance provides financial protection from third parties claiming the insured to be liable in respect of a bodily injury or property damage claim resulting out of the Insureds business and/or products.
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CRIME
Companies are constantly and increasingly facing problems with financial crime as they experience attempts from employees and/or third parties to steal, misuse or misappropriate monies/funds and physical goods. Segregation of duties and dual control may reduce the exposures but with human misconduct as the main driver for crime related losses, such losses cannot be eliminated.
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PROFESSIONAL INDEMNITY
Companies offering advice, administration and services face multiple kinds of risks within professional liability. Claims for damages arising out of professional liability can be devastating and as long as a company conducts business, it will always be exposed to the risk of causing injury or loss.
A Professional Indemnity insurance offers coverage for the expenses and the legal costs as well as any damages awarded, in case of a situation where claims are made by a client or a third party for losses based on errors and omissions of the employees or the ditto of other persons the policyholder is liable for. A PI insurance from RiskPoint will provide support not only by paying cost but also assist in defending your business.
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INVESTMENT MANAGEMENT
Asset Management is complex and involves many risks. Moreover the heavy regulatory burden is ever increasing, hence being compliant with applicable rules and legislation is more challenging than ever before. Aside from the critical governance and compliance tasks, asset managers must maintain focus on their core business; ensuring positive financial returns on investments, both for their investors and the company itself. Even a minor error or omission in the management of funds can have severe financial impact for the investors and the managing company.
RiskPoint’s Investment Manager Insurance offers coverage under one policy for both Directors and Officers liability, Professional liability and Crime as well as Cyber, on market leading terms and conditions.
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CYBER
Cyber risks have increasingly come into the focus of companies due to technological innovation and rising connectivity. Whether those risks result in an unauthorized publication of confidential or personal data or in business processes being interrupted or hampered by ransomware, DDoS attacks etc., significant financial losses are often the consequence, even if no bodily injury or property damage is caused.
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SECURITIES OFFERING LIABILITY INSURANCE
A public offering of securities involves a prospectus. The company issuing securities as well as its board of directors and executive management are signatories to the prospectus. Should the prospectus be misleading or inadequately describe the risks connected with the offering, the issuing company and the physical persons signing the prospectus may face claims from new investors, current shareholders and regulators.
In order to transfer this risk and enable management to focus on the company’s core business rather than potential claims and the subsequent personal financial default such may lead to, companies purchase SOLI insurance.
A RiskPoint SOLI insurance covers defence costs, many of the other costs related to a law suit and any damages the insured persons and the issuer are held liable for in relation to the prospectus.
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COMBIPOINT
CombiPoint combines the following insurance coverages into one single insurance product with one, shared limit: Directors & Officers -, Professional Indemnity -, Intellectual Property -, Cyber -, Web bank theft -, Office General Liability (Slip and Trip) and Office Content (Property) insurances.
The target companies for CombiPoint is FinTech and SME (up to EUR 50M turnover but currently our sweet spot is around EUR 20M) Tech companies.
Companies in the financial services sector offer advice and administration that is prone to severe losses, hence Professional Indemnity insurance is an often sought insurance coverage, and for many, a compulsory regulatory requirement. Directors’ and officers’ insurance is key for attracting top management, in order to protect their personal assets. FinTech and some Tech businesses have a combination of technology, money and personal data at their core, which accentuates the need for insurance against cyber risks as well as third party theft, why Cyber and Theft insurance coverage is available under the CombiPoint.
CombiPoint covers damages and certain costs related to claims made against the insured company and defined individuals for professional liability, managerial liability and general liability. It can also cover direct losses and advisory costs of the insured company pertaining to Cyber and Theft risks.
We do not offer CombiPoint to the following industries / activities: Cryptocurrency, Stablecoins, Non Fungible Tokens (NFT’s), Initial Coin Offerings (ICO’s), Decentralised Finance (DeFi), Invoice Finance (Factoring), Supply Chain Finance.
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INTELLECTUAL PROPERTY RIGHTS
An increasing number of companies think not only about how they manage their intellectual rights but also how they can insure their intellectual rights, as continued globalization lead to expansions into new territories, which may result in infringement of patents or other intellectual rights in these new territories, regardless of non-infringement in the existing markets.
The cost of intellectual property rights litigation can be astronomical. Intellectual property litigation can pose a real threat to the operations and financials of the company. Furthermore, the risk that a given company will be involved in some form of intellectual property litigation continues to increase, as more and more companies rely on intellectual properties as an essential asset of the company.
Intellectual property insurance may not make sense for every company. For the small technology company, presumingly having intellectual property as its most valuable asset, or for the new competitor trying to break into a market in which aggressively enforced intellectual property rights are the rule rather than the exception, the appropriate insurance protection may decide the future of the company.
In most markets Intellectual property is either excluded or restricted in the standard General Liability or Professional Indemnity insurance.
RiskPoint offers market leading terms and conditions on IPR insurance.
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DIRECTORS & OFFICERS (D&O)
Directors & officers may be held personally liable for the losses connected to culpable acts or negligence by the director and/or officer.
The Board of Directors and Executive Management can be targeted personally, either individually or collectively. While the liability of the company is limited, a director’s and officers liability is unlimited, which is why D&O insurance is important.
RiskPoint’s D&O insurance covers directors and officers for damages and defence costs as well as other related costs incurred due to claims against them, demanding damages as a consequence of financial losses. The insurance covers from the first civil or criminal investigation, including defence costs arising from both actual or alleged wrongful acts.
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WEB BANK
If hackers compromise IT security and gain access to your bank account and steal the money on that account, your bank will usually cover such loss if you are a private customer of the bank. As a company, the bank will typically (depending on the banking agreement) not reimburse you if your web bank accounts are hacked and your money is stolen.
Given the abundance of IT security breaches crime and cyber insurance products are in high demand. If you do not need the full crime coverage, you can purchase a scaled down policy covering electronic theft undertaken by third parties only, also known as Web bank insurance. Riskpoints Web bank insurance covers the company for electronic theft of money in an insured online bank account.
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