Insurance

Welcome to high quality, cost effective coverage

The underwriter (certain underwriters at Lloyd's of London) and the coverage premiums are the same for USA and Canadian customers.

The Master Policy Wording for US and Canada is essentially similar in meaning and scope but specifically prepared for each Country.
The Master Policy is issued to the Westminster Group. ICF Members are automatically members of Westminster Group, so as an ICF member you automatically qualify.
All members of the Westminster Group may take advantage of this insurance. How active you are in the Westminster Group is down to you.

This coverage is claims made and that means the underwriter will deal with a valid claim they are advised of during the policy period that relates to an incident that occurred on or after the retroactive date (your existing retroactive date will be maintained if renewed within 30 days of the expiry date of your expiring coverage)

Example premiums based on coverage of: $1 million per claim / $1 million in aggregate of all claims

	Class 1	Class 2	Class 3
YEAR 1	140	165	340
YEAR 2	155	195	380
YEAR 3	170	215	503

For the first 3 years of cover (that is from the retroactive date) the premium rises each year. There is no premium rise after year 3. Fees and tax (where applicable) will be added.

The premiums shown above are based on business gross revenue up to $100,000 per year (incomes up to $1,500,000 a year can be covered at an additional premium)

The premiums shown above are based on $1 million per claim / $1 million in aggregate of all claims. For an additional charge the following coverage options are available:

• $2 million per claim / $2 million in aggregate or
• $1 million per claim / $3 million in aggregate or
• $2 million per claim / $4 million in aggregate or
• $2 million per claim / $5 million in aggregate

• You will be issued a single personal ID (for this insurance)
• We will hold just one set of records for you.
• We will collect and use one email address. Please be sure to advise us if you change your email. This is our primary means of communication with you.
• If it is changed and we are not advised your renewal invitations will not arrive in your inbox