Professional Liability Insurance (FOI)

Request

Please will you provide me with certain information concerning Professional Liability Insurances* which are in place and which provide insurance for the activities of the following whilst carrying out their duties:

• States employees

• States members

• Ministers of the States

• Crown Officers

*Or any other insurances which are intended to provide cover for errors and / or omissions on the part of the individual(s) and / or groups.

The information requested is as follows:

A

The monetary limit of cover provided for each policy,

B

The monetary excess for each policy,

C

The monetary amount of self-insurance where this differs from the excess amount above.

Where there are differing limits and / or excesses for different groups please identify the groups along with the limits and excesses.

I am not seeking any information concerning the premiums paid or to which company they are paid.

I am not seeking any information concerning insurances where the premiums are paid by individuals or groups of individuals and then reimbursed by the States.

Response

All cover and limits are the same for States employees, States Members, Ministers of the States and Crown Officers.

A

The States Of Jersey buys liability insurance covers in two ‘layers’ – the first layer (ie the Primary level of £10 million) covers all claims up to £10million per annum and, in the event of this first layer being exhausted by claims during the year, the second layer (ie the excess level, also of £10 million) then responds.

The monetary limit of cover for each policy is therefore £20 million for any one claim and in total.

B

The non-ranking monetary excess for each policy is £10,000 for each and every claim.

C

The monetary amount of self-insurance only applies at primary level and is £250,000 for any one claim, but also capped to £250,000 in any one period of insurance.