ื“ืœื’ ืœืชื•ื›ืŸ ื”ืจืืฉื™
ืžื“ืจื™ืš ืžืงื™ืฃ

ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช

ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ืžื’ืŸ ืขืœ ื‘ืขืœื™ ืžืงืฆื•ืข ืžืคื ื™ ืชื‘ื™ืขื•ืช ื‘ื’ื™ืŸ ื˜ืขื•ื™ื•ืช, ืจืฉืœื ื•ืช, ืื• ืฉื™ืจื•ืช ืœืงื•ื™. ื”ื‘ื™ื˜ื•ื— ื—ื™ื•ื ื™ ืœื›ืœ ืžื™ ืฉืžืกืคืง ืฉื™ืจื•ืช ืžืงืฆื•ืขื™ - ืžืจื•ืคืื™ื ื•ืขื•ืจื›ื™ ื“ื™ืŸ ื•ืขื“ ื™ื•ืขืฆื™ื ื•ืคืจื™ืœื ืกืจื™ื. ืžื—ื™ืจื™ื: 1,500-100,000+ ืฉ"ื— ื‘ืฉื ื”.

1,500-100,000+ ืฉ"ื— ืœืฉื ื”
ืœื›ืœ ื‘ืขืœื™ ื”ืžืงืฆื•ืข

ืžื”ื• ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช?

ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช (Professional Liability Insurance / Errors & Omissions - E&O) ื”ื•ื ืคื•ืœื™ืกื” ื”ืžื’ื ื” ืขืœ ื‘ืขืœื™ ืžืงืฆื•ืข ืžืคื ื™ ืชื‘ื™ืขื•ืช ื›ืกืคื™ื•ืช ืฉืžืงื•ืจืŸ ื‘ืฉื™ืจื•ืชื™ื ื”ืžืงืฆื•ืขื™ื™ื ืฉื”ื ืžืกืคืงื™ื. ื”ื‘ื™ื˜ื•ื— ืžื›ืกื” ืืช ืขืœื•ื™ื•ืช ื”ื”ื’ื ื” ื”ืžืฉืคื˜ื™ืช ื•ืืช ื”ืคื™ืฆื•ื™ื™ื ืฉื™ื™ืคืกืงื•.

ื‘ืขื•ืœื ื‘ื• ื›ืœ ื˜ืขื•ืช ื™ื›ื•ืœื” ืœื”ื•ื‘ื™ืœ ืœืชื‘ื™ืขื”, ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ื”ื•ื ืจืฉืช ื”ื‘ื™ื˜ื—ื•ืŸ ืฉืœืš. ืชื‘ื™ืขื” ืื—ืช ื™ื›ื•ืœื” ืœืขืœื•ืช ืžืื•ืช ืืœืคื™ ืฉืงืœื™ื ื‘ื”ื•ืฆืื•ืช ืžืฉืคื˜ื™ื•ืช ื•ืคื™ืฆื•ื™ื™ื - ืกื›ื•ืžื™ื ืฉืขืœื•ืœื™ื ืœื”ืจื•ืก ืคืจื ืกื” ืฉื ื‘ื ืชื” ื‘ืžืฉืš ืฉื ื™ื.

ืžืชื™ ื”ื‘ื™ื˜ื•ื— ื ื›ื ืก ืœืคืขื•ืœื”? ื›ืฉืœืงื•ื— ื˜ื•ืขืŸ ืฉื ื’ืจื ืœื• ื ื–ืง ื›ืชื•ืฆืื” ืž: ื˜ืขื•ืช ืื• ื”ืฉืžื˜ื” ื‘ืขื‘ื•ื“ื”, ื™ื™ืขื•ืฅ ืฉื’ื•ื™, ืื™ื—ื•ืจ ื‘ืืกืคืงื” ืฉื’ืจื ื ื–ืง, ืื™ ืขืžื™ื“ื” ื‘ืกื˜ื ื“ืจื˜ื™ื ืžืงืฆื•ืขื™ื™ื, ืื• ื”ืคืจืช ื—ื•ื‘ืช ืกื•ื“ื™ื•ืช.

ื›ื™ืกื•ื™ื™ื

ืžื” ืžื›ืกื” ื”ื‘ื™ื˜ื•ื—?

ืจืฉืœื ื•ืช ืžืงืฆื•ืขื™ืช

ื˜ืขื•ื™ื•ืช, ื”ืฉืžื˜ื•ืช, ื™ื™ืขื•ืฅ ืฉื’ื•ื™

ื”ืคืจืช ื—ื•ื‘ื” ืžืงืฆื•ืขื™ืช

ืื™ ืขืžื™ื“ื” ื‘ืกื˜ื ื“ืจื˜ื™ื ืžืงืฆื•ืขื™ื™ื

ื”ื•ืฆืื•ืช ื”ื’ื ื” ืžืฉืคื˜ื™ืช

ืฉื›ืจ ืขื•"ื“, ืขื“ื™ื ืžื•ืžื—ื™ื, ื‘ื™ืช ืžืฉืคื˜

ื”ืœื™ื›ื™ื ืจื’ื•ืœื˜ื•ืจื™ื™ื

ื”ื’ื ื” ื‘ืคื ื™ ื’ื•ืคื™ื ืžืคืงื—ื™ื

ืœืฉื•ืŸ ื”ืจืข ืžืงืฆื•ืขื™

ืชื‘ื™ืขื•ืช ื‘ื’ื™ืŸ ื“ื‘ืจื™ื ืฉื ืืžืจื• ื‘ืžืกื’ืจืช ื”ืขื‘ื•ื“ื”

ื”ื•ื ืื” ื•ืžืขืฉื™ื ืžื›ื•ื•ื ื™ื

ืคืขื™ืœื•ืช ืคืœื™ืœื™ืช (ืœื ืžื›ื•ืกื”)

ืžื—ื™ืจื™ื

ืžื—ื™ืจื™ื ืœืคื™ ืžืงืฆื•ืข

ื˜ื•ื•ื—ื™ ืžื—ื™ืจื™ื ืฉื ืชื™ื™ื ืœืคื™ ืชื—ื•ื ื”ืขื™ืกื•ืง

ืจื•ืคืื™ื

8,000-100,000 ืฉ"ื—

ืขื•ืจื›ื™ ื“ื™ืŸ

3,000-40,000 ืฉ"ื—

ืจื•ืื™ ื—ืฉื‘ื•ืŸ

3,000-15,000 ืฉ"ื—

ืื“ืจื™ื›ืœื™ื

4,000-40,000 ืฉ"ื—

ื™ื•ืขืฆื™ ื”ืฉืงืขื•ืช

5,000-60,000 ืฉ"ื—

ื™ื•ืขืฆื™ ืžืก

3,000-12,000 ืฉ"ื—

ืงื‘ืœื ื™ื

5,000-80,000 ืฉ"ื—

ืขืฆืžืื™ื/ืคืจื™ืœื ืกืจื™ื

1,500-8,000 ืฉ"ื—

ืื™ืš ืœื‘ื—ื•ืจ ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช?

1

ื”ืขืจื™ืš ืืช ื”ื—ืฉื™ืคื” ืฉืœืš

ืžื”ื• ื”ื ื–ืง ื”ืžืงืกื™ืžืœื™ ืฉืขืœื•ืœ ืœื”ื™ื’ืจื ืžื˜ืขื•ืช ืฉืœืš? ืจื•ืคื ืžื ืชื— ื—ืฉื•ืฃ ืœืชื‘ื™ืขื•ืช ืฉืœ ืžื™ืœื™ื•ื ื™ื, ื‘ืขื•ื“ ืžืขืฆื‘ ื’ืจืคื™ - ืœืืœืคื™ ืฉืงืœื™ื. ื’ื‘ื•ืœ ื”ื›ื™ืกื•ื™ ืฆืจื™ืš ืœื”ืชืื™ื ืœืกื™ื›ื•ืŸ.

2

ื‘ื“ื•ืง ืืช ื“ืจื™ืฉื•ืช ื”ืจื’ื•ืœื˜ื•ืจ/ื”ืœืงื•ื—ื•ืช

ืžืงืฆื•ืขื•ืช ืžืคื•ืงื—ื™ื (ืจื•ืคืื™ื, ืขื•ืจื›ื™ ื“ื™ืŸ, ืจื•ืื™ ื—ืฉื‘ื•ืŸ) ื—ื™ื™ื‘ื™ื ื‘ื‘ื™ื˜ื•ื— ืžื™ื ื™ืžืœื™. ื’ื ืœืงื•ื—ื•ืช ื’ื“ื•ืœื™ื ืœืขื™ืชื™ื ื“ื•ืจืฉื™ื ืกืคืงื™ื ืœื”ืฆื™ื’ ื‘ื™ื˜ื•ื— ืขื ื’ื‘ื•ืœื•ืช ืžืกื•ื™ืžื™ื.

3

ื”ื‘ืŸ ืืช ืžื•ื“ืœ Claims Made

ืคื•ืœื™ืกื•ืช ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ืžื›ืกื•ืช ืชื‘ื™ืขื•ืช ืฉืžื•ื’ืฉื•ืช ื‘ืชืงื•ืคืช ื”ื‘ื™ื˜ื•ื—. ืฉืžื•ืจ ืขืœ ืจืฆืฃ ื‘ื™ื˜ื•ื—ื™ ื•ืฉืงื•ืœ "ื›ื™ืกื•ื™ ื–ื ื‘" ืื ืืชื” ืžืคืกื™ืง ืœืขื‘ื•ื“ ืื• ืžื—ืœื™ืฃ ืžื‘ื˜ื—.

4

ืงืจื ืืช ื”ื—ืจื™ื’ื™ื

ื›ืœ ืคื•ืœื™ืกื” ืžื›ื™ืœื” ืจืฉื™ืžืช ื—ืจื™ื’ื™ื - ื“ื‘ืจื™ื ืฉืœื ืžื›ื•ืกื™ื. ื•ื“ื ืฉืื™ืŸ ื—ืจื™ื’ ืฉืžื‘ื˜ืœ ื›ื™ืกื•ื™ ื—ืฉื•ื‘ ืœืกื•ื’ ื”ืขื‘ื•ื“ื” ืฉืืชื” ืžื‘ืฆืข.

5

ื”ืฉื•ื•ื” ื‘ื™ืŸ ืžืกืคืจ ื—ื‘ืจื•ืช

ืื•ืชื• ื›ื™ืกื•ื™ ื™ื›ื•ืœ ืœืขืœื•ืช ืคืขืจื™ื ืฉืœ 30-50% ื‘ื™ืŸ ื—ื‘ืจื•ืช. ื‘ืงืฉ ื”ืฆืขื•ืช ืžืžืกืคืจ ื—ื‘ืจื•ืช ื•ื”ืฉื•ื•ื” ืžื—ื™ืจ, ืชื ืื™ื, ื•ืžื•ื ื™ื˜ื™ืŸ ื‘ื˜ื™ืคื•ืœ ื‘ืชื‘ื™ืขื•ืช.

ืฉืืœื•ืช ื ืคื•ืฆื•ืช

ืฉืืœื•ืช ื•ืชืฉื•ื‘ื•ืช

ืžื” ื”ื”ื‘ื“ืœ ื‘ื™ืŸ ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ืœื‘ื™ื˜ื•ื— ืฆื“ ื’?
ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ืžื›ืกื” ื ื–ืงื™ื ืฉื ื’ืจืžื• ืžื”ืฉื™ืจื•ืช ื”ืžืงืฆื•ืขื™ ืฉืœืš - ื˜ืขื•ื™ื•ืช, ืจืฉืœื ื•ืช, ื™ื™ืขื•ืฅ ืฉื’ื•ื™. ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืžื›ืกื” ื ื–ืงื™ื ืคื™ื–ื™ื™ื - ืœืงื•ื— ืฉื ืคืœ ื‘ืžืฉืจื“, ื ื–ืง ืœืจื›ื•ืฉ ืฉืœ ืื—ืจื™ื. ืฉื ื™ ื”ื‘ื™ื˜ื•ื—ื™ื ืžืฉืœื™ืžื™ื ื•ืœืจื•ื‘ ื ื“ืจืฉื™ื ื™ื—ื“.
ืœืžื™ ืžืชืื™ื ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช?
ืœื›ืœ ืžื™ ืฉืžืกืคืง ืฉื™ืจื•ืช ืžืงืฆื•ืขื™ ืฉื˜ืขื•ืช ื‘ื• ืขืœื•ืœื” ืœื’ืจื•ื ื ื–ืง ื›ืกืคื™: ืจื•ืคืื™ื, ืขื•ืจื›ื™ ื“ื™ืŸ, ืจื•ืื™ ื—ืฉื‘ื•ืŸ, ืื“ืจื™ื›ืœื™ื, ื™ื•ืขืฆื™ื, ืžืคืชื—ื™ ืชื•ื›ื ื”, ืžืขืฆื‘ื™ื, ืฉืžืื™ื, ืžืชื•ื•ื›ื™ื ื•ืขื•ื“ ืจื‘ื™ื.
ื›ืžื” ืขื•ืœื” ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช?
ื”ืžื—ื™ืจ ื ืข ื‘ื™ืŸ 1,500-100,000+ ืฉ"ื— ื‘ืฉื ื”, ืชืœื•ื™ ื‘ืžืงืฆื•ืข, ื’ื‘ื•ืœื•ืช ื”ื›ื™ืกื•ื™, ื•ื”ื™ืงืฃ ื”ืคืขื™ืœื•ืช. ืขืฆืžืื™ ื‘ืžืงืฆื•ืข ื‘ืกื™ื›ื•ืŸ ื ืžื•ืš ื™ืฉืœื 1,500-4,000 ืฉ"ื—. ืจื•ืคื ืžื•ืžื—ื” ืื• ืžืฉืจื“ ืขื•ืจื›ื™ ื“ื™ืŸ ื™ืฉืœื ืขืฉืจื•ืช ืืœืคื™ื.
ืžื” ื–ื” Claims Made ื•ืœืžื” ื–ื” ื—ืฉื•ื‘?
ืคื•ืœื™ืกื•ืช ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ืขื•ื‘ื“ื•ืช ืขืœ ื‘ืกื™ืก Claims Made - ื”ื›ื™ืกื•ื™ ืชืงืฃ ืœืชื‘ื™ืขื•ืช ืฉืžื•ื’ืฉื•ืช ื‘ืชืงื•ืคืช ื”ื‘ื™ื˜ื•ื—, ื’ื ืื ื”ื˜ืขื•ืช ื‘ื•ืฆืขื” ืœืคื ื™. ื—ืฉื•ื‘ ืœืฉืžื•ืจ ืขืœ ืจืฆืฃ ื‘ื™ื˜ื•ื—ื™ ื•ืœืจื›ื•ืฉ ื›ื™ืกื•ื™ ื–ื ื‘ ื‘ืขืช ืคืจื™ืฉื”.
ื”ืื ื”ื‘ื™ื˜ื•ื— ืžื›ืกื” ื’ื ื”ื•ืฆืื•ืช ืžืฉืคื˜ื™ื•ืช?
ื›ืŸ, ืคื•ืœื™ืกื•ืช ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช ื›ื•ืœืœื•ืช ื‘ื“ืจืš ื›ืœืœ ื›ื™ืกื•ื™ ืœื”ื•ืฆืื•ืช ื”ื’ื ื” ืžืฉืคื˜ื™ืช (ืฉื›ืจ ืขื•ืจืš ื“ื™ืŸ, ืขื“ื™ื ืžื•ืžื—ื™ื, ื”ื•ืฆืื•ืช ื‘ื™ืช ืžืฉืคื˜) ื‘ื ื•ืกืฃ ืœืคื™ืฆื•ื™ ืขืฆืžื•. ืœืขื™ืชื™ื ื”ื”ื•ืฆืื•ืช ื‘ืชื•ืš ื’ื‘ื•ืœ ื”ื›ื™ืกื•ื™ ื•ืœืขื™ืชื™ื ื‘ื ื•ืกืฃ.

ืจืื” ื’ื:

ื‘ื™ื˜ื•ื— ืœืขืกืง ืงื˜ืŸื‘ื™ื˜ื•ื— ืžื ื”ืœื™ื (D&O)ื‘ื™ื˜ื•ื— ืขืกืงื™ื’ื‘ื•ืœ ืื—ืจื™ื•ืช

ืฆืจื™ืš ื‘ื™ื˜ื•ื— ืื—ืจื™ื•ืช ืžืงืฆื•ืขื™ืช?

ื”ืฉื•ื•ื” ื”ืฆืขื•ืช ืžื—ื™ืจ ืžื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ื”ืžื•ื‘ื™ืœื•ืช - ื‘ื—ื™ื ื ื•ืœืœื ื”ืชื—ื™ื™ื‘ื•ืช

ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ
ืงื‘ืœ ื”ืฆืขืช ืžื—ื™ืจ ื—ื™ื ื