Pro-Visions Insurance Services Limited (Pro-Visions) is an independent insurance broker who specialises in arranging insurance policies for Fire Safety Professionals, Health & Safety Professionals, Training Professionals and Management Consultants. Pro-Visions are authorised and regulated by the Financial Services Authority (FSA). Our FSA Register Number is 476854. Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FSA’s register by visiting the FSA website, www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Unless you contact our office and speak to an advisor, we will not make any recommendation regarding the suitability of cover or provide any advice. The onus is on you to ensure that the amount of cover and the types of insurance purchased are adequate for your own requirements but the following may also be useful. If you do need help or guidance, please contact us on 01837 650030.
We offer Professional Indemnity (PI) Insurance cover with competitive premiums from as little £112.50 plus Insurance Premium Tax. You can also arrange Public Liability (PL), Employers’ Liability (EL), Office Contents and Directors & Officers Liability cover.
Every business is unique, so when considering how much cover to buy we would always recommend that you consider the exposure that your business faces each day. Your exposure could, for example, be influenced by the type and size of contracts you are engaged in or the type and size of clients who you work for. Your client’s or professional body may impose minimum amounts of cover that they expect you to arrange.
We always recommend buying as much cover as you can afford. Premiums are often better value when more cover is purchased and the difference between say £500,000 cover and £1,000,000 cover may be a matter of a few pounds. You wouldn’t want to be underinsured in the event of a serious claim.
This is the maximum payable by Insurers in respect of a claim. Unless otherwise stated, costs incurred in the defence or investigation of the claim will be paid in addition to this figure.