Insurance Statement

Policy Type

Policy Details and Limits

Professional indemnity

£10,000,000 any one claim.
£10,000,000 aggregated limit for claims brought under a US/Canadian court of law.

Public liability and products liability

£10,000,000 any one claim. Includes US and Australian workers.
£5,000,000 aggregated limit for claims brought under a US/Canadian court of law.

Employers' Liability

£10,000,000 Worldwide, any one claim.

Property Contents

- General Office Contents £50,000
- Office Based Computer Equipment £100,000

Worldwide portable equipment

Amount insured is £10,500.

Business interruption

Amount insured is £200,000; over a 12 month indemnity period.

Crisis containment


Third party Cyber Liability

£10,000,000 any one claim. £10,000,000 aggregated limit for claims brought under a US/Canadian court of law. This section offers protection against claims for:
- The onward transmission of a computer virus through our software.
- Denial of service attack against a third-party.
- The unauthorised acquisition, access, use, or disclosure of personal data or confidential corporate information that is held or transmitted in any form.
- Prevention of authorised electronic access to any computer system, personal data or confidential corporate information.

First Party Cyber and Data

£5,000,000 aggregated limit, including costs and expenses:
- Breach Costs
- Privacy Protection
- Business Interruption
- Hacker Damage
- Extortion

Directors & Officers Liability

- Directors’ & Officers’ Liability £2,000,000 aggregated limit. Protection for a claim made against an individual director or manager.
- Corporate Legal Liability £1,000,000 aggregated limit. Extends the cover provided under the D&O to include claims brought against the company but excludes employment practice violations.
- Corporate Employment Practices Liability £500,000 aggregated limit. Extends cover for the entity against lawsuits and liability in respect of an employment practice violation.

Business Travel and Personal Accident Insurance

- Coverage is provided for all directors, partners and employees of JRNI Ltd, resident in the UK/US/Australia, including their accompanying partner and/or children for foreign and domestic business travel, including incidental holiday.
- Coverage is provided for employees of JRNI Inc. and JRNI Pty Ltd.
- The policy also includes cover for foreign and domestic holiday travel for all directors and accompanying partners and children.

Workers Compensation and Employers Liability for US employees


Workers Compensation for Australian employees

Coverage for the costs that might follow a workplace related injury or disease. This could include weekly benefits, medical and hospital expenses, rehabilitation services, certain personal items and a lump sum payment for death or permanent impairment.

Business Owners insurance (USA), including Hired/non-owned vehicle liability

- Provides cover for bodily injury and property damage claims caused by US staff, up to a limit of $1,000,000 for any one claim and $2,000,000 in aggregate.
- Contents coverage of $100,000.