Marine Insurance Consultants and Experts

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Liability Insurance Expert Witness and Consultant

We offer liability insurance expert witness services and courses in the following sectors:

Marine liabilities, general liability, professional indemnity, transport intermediary liability, directors and officers.

What is Liability Insurance?

Liability insurance is designed to cover businesses against the risk of liabilities imposed by lawsuits and claims. Such liabilities can involve personal injury, damage to property or financial losses caused by negligence, for example.

Liabilities can arise from duties imposed by law or liabilities arising from contract or tort.

Public Liability Insurance

Having public liability insurance is an important consideration for any business that interacts with the public or other businesses. The principal coverages are: personal injury and property damage.

Professional Indemnity Insurance

Professional indemnity insurance is also known as professional liability insurance or errors and omissions insurance. It is designed to cover any negligent acts or omissions (for example, incorrect advice) that may result in a loss to a client. Even in cases where there is no evidence of negligence, a claim may be pursued against the insured company which may then result in a lawsuit. Professional indemnity policies provide cover for defence and for defence costs.

Professional indemnity insurance is not relevant to all businesses. However, if one is in the business of selling your skills or knowledge then such protection is advisable. In the case of some professions, PI insurance is obligatory. Hence, accountants, solicitors, architects, financial advisers, for example, are all required to secure such cover.

Such coverages are necessary in the marine and transportation field where an action may be brought against a transport intermediary in cases, for example, where loss or damage may have occurred to goods in transit or where a freight forwarder has released goods to a third party without the tender of the original bill of lading, thus resulting in a financial loss to the shipper.

An insurance broker may be at the receiving end of a claim or lawsuit in cases where the insurance broker gave incorrect advice on a policy, failed to secure the coverage required by its client or failed to explain gaps in cover between an expiring policy and a renewal policy.

Directors and Officers Insurance (D and O Insurance)

Directors, partners or officers of a company have additional and specific responsibilities to their employees, members of the public, investors and regulators. D and O insurance is designed to protect the personal assets of officers and directors against claims and lawsuits arising from their professional capacity. Claims may include breach of duty, negligence, defamation and pollution.

Environmental Liability and Pollution Insurance

A public liability policy may be inadequate for protection against environmental and pollution liabilities.

Environmental coverages may offer:

  • Clean-up costs on the site and migration of the site
  • Historic pollution
  • Third party bodily injury and property damage
  • Emergency costs
  • Defence costs
  • Nuisance claims
  • Protection to directors and officers
  • Restoration of damaged sites
  • Gradual pollution as well as sudden and accidental

Shipowners and other transportation companies as well as businesses in the energy business require special policies requiring high limit and comprehensive coverages (In the case of shipowners, there are specific pollution coverages available with the P and I Clubs) in relation to environmental liabilities.

(A graduate and post-graduate in law, Alan is a practitioner in the field of liability insurance and over many years, adjusted liability claims. Alan has taught liability insurance to the insurance community in the UK, United States and Hong Kong. Alan has also taught courses to specific professions such as insurance brokers and transport intermediaries. Alan has been retained as an expert witness in liability disputes).

How Alan Jervis can assist in the field of Liability Insurance

  • Expert witness in the event of a dispute between policyholder and insurer
  • Insurance archaeology: Finding old policies
  • Claims Review, Audit and Peer Review for insurance companies, Lloyd’s syndicates and reinsurers
  • Courses in liability insurance

Please feel free to contact us today to discuss how we can assist you with any of the following services: Liability insurance expert witness, claims overview, peer review and audit, insurance archaeology or, if you would like to book a course.


Alan Jervis
*Jervis ICI Ltd.
Edwinstowe House
NG21 9PR

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