IMMEDIATE DEFENSE COSTS
Protect your cash flow with automatic advancement of defense costs, helping your business manage legal expenses without waiting for reimbursement.



| POLICY | WHAT IS COVERED | SUM INSURED | DEDUCTIBLE |
|---|---|---|---|
| Core Professional Liability | Civil Lawsuit Protection | Full Limit of Indemnity (As stated in your specific Policy Schedule). | Responsible by the Insured per individual claim (As stated in your Policy Schedule). |
| Advancement of Defense Costs |
Zero Cash Flow Disruption | Advanced as incurred; forms part of your main Limit of Indemnity. |
Subject to the main policy Deductible. |
| Intellectual Property Safeguard |
Creative Safety Net | Part of, and not in addition to, the main Limit of Indemnity. |
|
| Loss of Documents & Data | Asset Restoration | ||
| Unintentional Defamation | Reputation Insurance | ||
| Breach of Confidence | Data Privacy Shield | ||
| Vicarious Liability Cover | Contractor Security | ||
| Public Relations Expenses | Crisis Management Funding | Subject to specialized sub-limits stated in your customized Schedule. |
Subject to specific policy conditions (must notify the company within 28 days). |
| Court Attendance Compensation |
Operational Downtime Payouts | USD 100.00 / day for partners /directors USD 50.00 / day for employees |
Zero deductible Standard policy deductible does not apply to this daily allowance. |
| Instant Run-Off Protection | Secure Corporate Exits | Valid for professional acts committed prior to the effective date of the Change of Control. |
Subject to the main policy Deductible. |
| New Subsidiary Grace Period |
Automatic Growth Cover | Operates directly under your existing Limit of Indemnity. |
Applies the same Deductible as your parent policy. |
| Extended Reporting Period | No-Gap Security Window | Offers up to thirty (30) days from the policy expiry or cancellation date. |
Subject to the main policy Deductible. |