Earlier this week we asked ChatGPT to explain Directors & Officers insurance to a Roadman and the response was pretty wild. So, we did what any insurance broker desperate for attention would do and turned it in to a weekly series.
Today, we asked ChatGPT to explain professional indemnity to our resident roadman (let’s call him Frank). After all, a roadman is only as good as the service he provides, so he needs to have protection against the professional unknowns.
For anyone not familiar with the term, the Urban Dictionary describes a Roadman as:
Brother species to the chav. A roadman’s true love is the iconic north face black puffer jacket paired with some nike sweats and air max 97s. Chav girls love to date the roadman who acts the most hard. Use phrases such as “safe 1 my g” and “init bruv”.
Since reading this I’ve had to put my Air Max 97s in the bin.
The Prompt: Explain professional indemnity insurance as if you were talking to a roadman from London. Use local slang and reference the nefarious activities one might expect of a roadman. (other roadmen are available).
Yo bruv, I see you’re lookin’ to get the 411 on this thing called professional indemnity insurance. Ain’t nothin’ to do with your day-to-day grind on the roads, but it’s crucial if you’re running a legit business or if you’re a professional offering services, aight?
So let’s say you’re done movin’ weight on the ends, and now you’re a big shot, yeah? Maybe you’re a lawyer, designer, consultant, or whatever. You’re in a game where if you make a wrong move, it could cost your clients P’s, a serious amount of cheddar. That’s where professional indemnity insurance comes in.
Imagine this, fam: You’re now a tech consultant, yeah? You’ve given advice to some mad rich business tycoon on how to secure his company’s computer systems. But things go pear-shaped – some next hacker busts into the system, taking all their info, and leaves the business in a total mess. That tycoon ain’t gonna take that lying down, he’s gonna point fingers at you, saying you didn’t do your job properly.
Now, you’re in a sticky one, fam. Legal fees be like gangsters on your case, they’ll drain your pockets dry. But if you got professional indemnity insurance, it’s like having your own crew backing you up. This insurance pays for your defence and any damages or settlements you might need to cough up.
But remember, it ain’t a pass to do whatever you want. If you’ve been intentionally shady or dishonest, the insurance ain’t gonna have your back. It only steps in if you’ve genuinely messed up without meaning to.
And one more thing, it works on a ‘claims made’ basis. That means the policy has to be active both when the incident happened and when the claim is made. It ain’t enough to just have it active when you did the work; it needs to be active when the claim lands on your doorstep.
So, bruv, if you’re planning to switch lanes from the roadman life to a professional one, consider this insurance as your new mandem, ready to back you up when things go sideways.
It’s like a bulletproof vest for your wallet, you get me?
Over the next few months we’ll be adding ‘Roadman’ as a business description to our quote system and petitioning for all policy wordings to have a roadman version. We’re expecting a hard push-back from our insurance partners.
Part 3 next week, you get me.
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