Property and investment insurance
This covers damage to your products, inventories and commercial buildings as well as to third-party property.
Protect your professional services business with our insurance lines
The professional services sector is diverse with each profession having its own specific needs. Operation of your professional business may expose you to legal action for damages to third parties as a result of the professional services you provide or due to your membership in a professional order or association.
Maintaining trust
The people who trust your company rely on its services, and your consistency ensures a good relationship with them. That’s why a complete shutdown of your services would negatively impact your company and its image.
At PMT ROY, we have the insurance lines to ensure that nothing can spoil the relationships you’ve developed with your clients.
The professional services we insure
We insure a wide range of professionals including doctors, dentists, optometrists, lawyers, engineers, architects, accountants, brokers, chiropractors, decorators, trainers, notaries, hair stylists and massage therapists.
No matter what your business is, we can offer you an insurance package that matches your needs. Contact us today!
The insurance products we offer
Income loss and additional expenses insurance
This covers the income that your business would normally have earned had there been no interruption of operations, and helps your business to continue operating despite a loss.
Crime insurance (includes embezzlement and other types of theft)
This covers your business against burglary, fraud, theft of goods or money, and much more; it even covers these crimes committed by one of your employees and also covers goods in transit in one of your company’s vehicles.
Insurance against cyber attacks (unfortunately an extremely common occurrence these days!)
This covers the financial cost of aspects like IT system recovery, increased cybersecurity and corporate image restoration.
General liability and umbrella liability insurance
General (or basic) liability insurance covers your company against litigation by third parties, while umbrella liability insurance extends the coverage usually included in general liability insurance.
Directors' and officers' liability insurance
This covers your company’s directors and officers from personal liability claims made against them in the course of their duties.
Employment practices liability insurance
This covers your company in the event of litigation by an employee based on allegations of harassment, discrimination, invasion of privacy and unjustified disciplinary action.
Professional liability (errors and omissions) insurance
This covers your company for errors or omissions by you or your staff.