This is particularly important if you are still contracting but find yourself without a contract - we advise that professional indemnity is a long term commitment and should be maintained at all times.
If you close your company or retire you can buy "run off" cover to provide a long term extension to the existing policy - this will allow indemnity for between three and six years after you retire or close down the company ensuring security for both you and your clients. This cover must be purchased before your policy lapses.
For further advice on this please contact us on 01242 808740.
We may be able to provide cover for short trips to the USA or Canada, but you need to refer to us with full details - all enquiries in this regard should be addressed to the new business team on 01242 808740 or emailed to firstname.lastname@example.org. This additional cover can be added at any point during the policy term (if acceptable to Insurers) but no rebate will be given for a shorter time period. If any additional cover is purchased, a separate invoice and endorsement will be issued via post.
The taxes, interest and penalties sections of the IR35 Protect policy is only active once you have successfully passed an IR35 assessment. If you get an assessment from one of our approved reviewers below, any claims will be automatically defended. If the assessment is unsuccessful, please contact us immediately. If your engagement experiences any material changes or you undertake a new contractual agreement, then you must complete a new assessment to ensure the IR35 covers remain valid.
Many concerns can be resolved straight away therefore in the first instance please get in touch with:
Kingsbridge Contractor Insurance
9 Miller Court
Website – www.kingsbridge.co.uk
Telephone – 01242 808740
E-mail – email@example.com
If your problem cannot be resolved in this way, Kingsbridge Contractor Insurance will then advise you of our complaint handling procedure.
The Financial Ombudsman Service (ombudsman)
If we are unable to resolve your complaint to your satisfaction within eight weeks or if you remain dissatisfied following receipt of our final response letter, you may be able to ask the ombudsman to formally review your case. You must contact the ombudsman within six months of our final response.
The ombudsman contact details are as follows:
Financial Ombudsman Service
You can telephone for free on:
08000 234 567 for people phoning from a “fixed line” (for example a landline at home)
0300 123 9 123 for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02
or e-mail: firstname.lastname@example.org
This is a free and impartial service and you are entitled to contact the ombudsman at any stage of your complaint.
The ombudsman can help with most complaints if you are:
- a consumer
- a business employing fewer than 10 persons that has an annual turnover or balance sheet that does not exceed £2 million
- a charity with an annual turnover of less than £1 million
- a trustee of a trust with a net asset value of less than £1 million.
If you are unsure whether the ombudsman will consider your complaint or for more information please contact the ombudsman directly, or visit http://www.financial-ombudsman.org.uk
If you purchased your policy online you can make a complaint through Online Dispute Resolution (ODR). This is an initiative from the European Commission that helps European Union (EU) residents, who have bought goods or services online, get complaints resolved. It is designed mainly to assist where the customer is in one EU country and the company that supplied the goods or services is in another but can be used when you are in the same country as the supplier. You can submit a complaint in any of the official languages of the EU through the ODR website which can be accessed at http://ec.europa.eu/odr.
The ODR platform can then submit your complaint to the UK Financial Ombudsman Service (FOS) to get your complaint resolved.
When using the ODR website the following information should be used:
Company name: Kingsbridge Risk Solutions Ltd t/a Kingsbridge Contractor Insurance
Email address: email@example.com
Website address: www.kingsbridge.co.uk
Address: 9 Miller Court, Tewkesbury GL20 8DN
Who can I contact if I would like more information?
You are already visiting our site - this is our first stop for more information.
If you can't find what you need on this website or for specific enquiries, please use our ringback form, email firstname.lastname@example.org or speak to a member of our team on 01242 808740.