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

£25,000

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

£10,000,000
- 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

$2,000,000

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.