When cover is hard to find



By all accounts, 2004 was a year in which it proved difficult for independent financial advisers (IFAs) to purchase professional indemnity (PI) insurance. "The market has been hard for PI, and nowhere else has it been harder than for IFAs," says Neil Pointon, London-based operations director at Lloyds PI broker PYV. The impact of a succession of financial misadventures, including the ongoing cost of the pensions review as well as endowments, split-capital investment trusts and, of course

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