PSIS – Policy Cover – White Insurance Brokers

Paranormal & Supernatural Investigators (PSIS) - Policy Cover

Insurance Coverage

$20 million Public & Products Liability and Advertising Injury
$1 million Errors & Omissions Liability
Excess Nil on all claims

Automatic Sub-limits of cover

$1,000,000 Property in Care, Custody & Control

Persons Automatically Covered

All individuals and all members of a club, group or association
All directors, employees and volunteers of an individual business

Sub-contractors

All sub-contractors are excluded from this policy. Any sub-contractor that you engage, must hold and maintain their own insurance cover.

Public & Products Liability Policy Cover

Covers a broad category of people and entities
Legal liability to pay compensation for personal injury, property damage and advertising liability
Broad definitions of personal injury, insured’s products, products liability and advertising liability
Property damage including any loss of use of property
Claims preparation costs
Property in your Care, Custody or Control
Vehicles Used as a Tool Of Trade
Court Attendance Costs
Cross Liability
Vehicles Unloading or Loading Goods
Sale or Supply of Goods

Errors & Omissions Liability Policy Cover

Covers Personal Injury or Property Damage arising out of any negligent error or omission

Minimum & Deposit Premium

The annual premium is a minimum and deposit premium, which means that there is no refund of any premium in the event you cancel the policy before the normal expiry date or the policy is cancelled by the insurer prior to the normal expiry date. Please note that we treat our remuneration as fully earned when we issue you with a tax invoice. We retain all of our commission, fees and other remuneration in full in the event of any mid-term cancellation of a policy or future downward adjustment of premium. There will be no refund of any Government or Underwriting fees, duties or levies.

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