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SUMMARY OF COVER

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Summary of cover

The information below gives you details at a glance to help you decide which product is right for you. Just select any feature below to find out more. We want you to be confident that your policy covers everything you need it to so please be sure to read the full policy wording (PDF 628kb) before you decide to buy.

Civil Liability

Civil Liability Cover

Civil Liability cover includes Professional Indemnity, Public & Products Liability and Libel and Slander insurances.


Public and Products Liability Sub-Section (Compulsory)

Provides cover for your legal liability for damages arising out of accidental injury to any person or accidental loss or damage to third party property.

Features & Benefits Significant Exclusions or Limitations
Standard Cover:
- Public Liability: Accidental injury to members of the public or accidental damage to their property.		 - The Limit of Indemnity will be shown in your Policy Schedule.
- Products Liability: Accidental injury or accidental damage to property resulting from products supplied.
- Wrongful arrest or false imprisonment of a member of the public.
- Contingent motor liability - Excludes legal liability:
  • arising from risks that require more specific insurance e.g. Motor, Marine etc.
  • arising in connection with advice, design or specification provided for a fee.
  • for injury to employees.
  • arising from loss of, or damage to, property in your custody or control.
  • caused by pollution, unless sudden and unintended pollution. Sudden and unintended pollution will be subject to a total Limit of Indemnity for any one period of insurance in respect of all incidents.
  • arising from contractual liability for products.
  • fines and penalties.
  • defective products and work and the repair, replacement or recall of such products or work.
  • nuclear risks.
  • war risks.
  • electronic risks.
  • fear of contracting asbestos related diseases.
  • pre-claim asbestos clean-up costs.
  • Asbestos Removal Costs
  • Asbestos in North America
  • Aircraft Products
- Other specific events may be excluded by endorsement, or cover may need to be individually assessed
- Legal Defence costs in defending proceedings arising from a breach of the Health and Safety at Work Act 1974, the Health and Safety at Work (Northern Ireland) Order 1978 or Part II of the Consumer Protection Act 1987 where there has been no actual injury or damage is covered under a separate section of the Policy. - Limit of Indemnity £250,000 any one period of insurance.
Section of the Policy that contains further details

Public/Products Liability


Professional Indemnity (Compulsory)

Provides cover for your civil liability for damages in connection with the conduct of your Business. Cover applies to claims first made against you and notified to us during the period of insurance.

Features & Benefits Significant Exclusions or Limitations
Standard Cover:
- “Claims made” wording, meaning that the policy covers claims first made against you and notified to us during the Period of Insurance
- Where you notify us during the Period of Insurance of circumstances that might reasonably be expected to produce a claim, we cover a subsequent claim arising from such circumstances as though it were made in the Period of Insurance
- Protection is given to the Insured named in the Schedule, past and present partners (or members of LLPs), directors, employees and their personal representatives in the event of death, incapacity, insolvency or bankruptcy
- Covers civil liability (including liability for claimant’s costs and expenses) incurred in connection with the conduct of Professional Business, including:
  • Breach of professional duty
  • Liability for dishonest acts
  • Libel & slander
  • Liability for damage to documents
  • Infringement of intellectual property rights
  • Adjudication and arbitration awards
  • Other types of civil liability, such as contractual liability, unless specifically excluded
- Covers Defence Costs incurred with our written consent in addition to the Limit of Indemnity
- Cover for ombudsmen’s awards
- Costs of replacing or restoring Documents lost or damaged in transit or in your custody up to a maximum of £100,000 during any Period of Insurance
- Compensation for attendance at court, mediations or other hearings in connection with a claim at the following daily rates:
  • any principal, partner, member or director £500
  • any employee £250
- Special benefit clause waiving our rights to avoid the policy in the event of innocent non-disclosure at renewal 		- Claims which should be insured under other types of policies, such as Employers’ Liability and Public/Products Liability, Directors’ & Officers’ Liability, Employment Practices Liability and Motor Insurance
- Asbestos & nuclear risks, pollution, war & terrorism
- Adjudications where the adjudicator is not independent or the timetable is more onerous than in the Scheme for Construction Contracts, and arbitration awards made outside the UK
- Express guarantees, contractual penalties or liquidated damages which are beyond your liability at common law
- Claims made by entities in which you have a controlling interest
- Claims where you contract to manufacture, construct, erect or install or supply materials or equipment
- Dishonesty of a person after there is reasonable cause for suspicion
- Fines, penalties and punitive damages
- Claims brought in North America
- Previous claims or circumstances
- Spite or reckless behaviour
- Business risks, such as contracts for supply of goods or services to your business, your insolvency, pension & benefit schemes and trading losses
- Damage to Documents caused by computer viruses or hacking (procedures must be in place for the security and daily back-up of electronic Documents)
- Any claim or loss where the cause occurred prior to the Retroactive Date (only applicable where a Retroactive Date is specified)
- Claims arising out of full time employment
- Claims arising out of Offshore work
- Claims arising out of Domain name registration and web hosting
- Claims arising out of sub-contract printing and direct printing work and working as an advertising agent
Section of the Policy that contains further details

Professional Indemnity

Employers' Liability

Employers' Liability Sub-Section (Optional)

Provides protection against your legal liability for damages and legal costs arising from injury to any person employed by you in the course of their employment in your business.

Cover includes:

  • Injury to any employee caused during the period of insurance. Injury is defined as: ‘bodily injury, death, disease or illness’.
  • Employees temporarily working overseas
  • Legal Defence costs in defending proceedings arising from a breach of the Health and Safety at Work Act 1974, the Health and Safety at Work (Northern Ireland) Order 1978 or Part II of the Consumer Protection Act 1987 where there has been no actual injury or damage is covered under a separate section of the Policy.

Significant Exclusions or Limitations

  • Limit of Indemnity: £10,000,000 for any one event (restricted to £5,000,000 in respect of Terrorism)
  • The policy includes the claimant’s costs and expenses within the Limit of Indemnity.
  • Indemnity does not apply for:
    • nuclear risks, where liability is that of any principal or accepted under contract.
    • injury for which you are required to arrange motor insurance in accordance with road traffic legislation within the European Union.
  • Offshore risks are excluded.
  • Limit of Indemnity £250,000 any one period of insurance.

Section of the Policy that contains further details

Employers' Liability

Property Damage

Property damage all risks (Compulsory)

Provides cover for your business equipment (Contents).

Standard Covers
Loss or Damage caused by:
  • Fire, Explosion, Lightning, Aircraft, Earthquake
  • Riot, Civil Commotion, Malicious Damage
  • Storm, Flood, Escape of Water, Impact
  • Sprinkler Leakage
  • Theft
  • Subsidence, Ground Heave, Landslip
  • Accidental Damage
  • Accidental Breakage of Fixed Glass
  • Specified Items “All Risks”
Warranty Free
  • Conditions that are bespoke to your business will be clearly shown in your schedule
Reinstatement

Cover is on a reinstatement ‘as new’ basis

Significant Exclusions or Limitations

Please note that these exclusions apply to cover for Buildings, Contents and Stock:

  • Standard Covers applicable will be shown in your Policy Schedule.
  • ? Specific causes of loss may be excluded including but not limited to:
    • ? Explosion where internal pressure is due to internal steam only (but not domestic boilers)
    • ? Malicious Damage, Escape of Water and Theft in respect of Buildings empty or not in use.
  • ? Theft not involving forcible and violent entry or exit is excluded (other than for Specified Items “All Risks”)
    • ? If an alarm system is shown as a requirement of your cover in your Policy Schedule, you may not be covered for loss if you fail to set your alarm system in its entirety and maintain it in full working order and that contributes to the loss.
    • ? If your premises are unattended you may not be covered if all locks, bolts and other protective devices are not operative and/or all keys are not removed from the premises.
  • ? Excludes loss of data.
  • ? Terrorism is excluded.
  • ? Civil Commotion in Northern Ireland is excluded

Section of the Policy that contains further details

Property Damage

Personal Accident

Personal accident (Optional)

Provides financial protection following accidental bodily injury to Insured Persons.

Cover includes:
  • Death
  • Loss of two or more limbs or both eyes or one of each
  • Loss of one limb or eye
  • Permanent total loss of speech
  • Permanent total loss of hearing in both ears or in one ear
  • Permanent total disablement from usual occupation in the Business
  • Temporary partial disablement from usual occupation in the Business
  • Medical Expenses

Cover is on a Fixed Benefit Basis.
The period during which cover is operative is in relation to Occupational Accidents Only.
The following Benefits will be provided at no extra cost when Personal Accident cover is provided:

  • Coma Benefit
  • Commuting Expenses
  • Dependents Benefit
  • Disability Assistance
  • Funeral Expenses
  • Hospitalisation Benefit
  • Paralysis
  • Relocation Expenses
  • Retraining Benefit
Significant Exclusions or Limitations

  • Insured Person Limits and Maximum Incident Limits apply – see your Policy Wording/Schedule for details.
  • Age limits - 16 to 80.
  • See your Policy Wording/Schedule for details of your selected level of benefits.
  • See your Policy Schedule for details of your selected operative time.
  • Accumulation limits apply for
    • passengers travelling in the same aircraft.
    • terrorism.
    • war.
    • any other incident.
The Policy does not cover:
  • Committing or attempting to commit suicide or as a result of a self-inflicted injury.
  • Illness or disease (not resulting from bodily injury) following an accident.
  • Any naturally occurring condition or degenerative process, or any gradually operative cause.
  • Post-traumatic stress disorder or any psychological or psychiatric condition (not resulting from bodily injury following an accident).
  • Radioactive contamination whether arising directly or indirectly.
  • Terrorism occasioned by any Nuclear Chemical or Biological Cause or War.
  • Engaging in flying of any kind other than as a passenger.

Section of the Policy that contains further details

Personal Accident

Money Insurance

Money Insurance (Compulsory)

Provides financial protection following accidental bodily injury to Insured Persons.

Cover includes Significant exclusions or limitations
Money in transit, on premises during business hours or in a bank night safe £250
Crossed cheques, crossed money orders and crossed postal orders £250,000
Personal Injury (Robbery)
Covers you or any director, partner or employee sustaining bodily injury during a robbery Please see your Policy Wording/Schedule for specific interpretations of these benefits
Death Benefit £15,000
Loss of one or more Limbs or Eyes £15,000
Permanent Total Disablement from any gainful employment for which suited by training, education or experience £15,000
Temporary Total Disablement from usual occupation £150 per week and no more than 1/52nd of annual salary
Medical Expenses necessarily incurred Limited to a maximum of 15% of the £15,000 Benefit paid
Section of the Policy that contains further details

Personal Accident

General conditions and exceptions

The following apply to your policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read your Policy Wording/Schedule.

Optional Insurances

  • If there are any changes to your business, the premises, the property therein or any other circumstances whereby the risk is increased you should inform us immediately.
  • War is excluded in respect of all cover except for Employers’ Liability.
  • Radioactive Contamination is excluded.
  • Further conditions and exclusions may be applied under each individual Insurance section within the Policy Wording and/or shown on your Schedule.
  • You must at your own expense, take all reasonable precaution(s) to prevent any occurrence, or cease any activity which may give rise to liability under the policy and maintain all buildings, furnishings, work plant machinery and vehicles in reasonable condition.
  • Policy Conditions within the policy wording are detailed on the following pages:
    • Policy Conditions pages 8-10
    • Professional Indemnity pages 38-39
    • Personal Accident pages 41 - 42

Retentions and Limits

  • Any Policyholder’s Contribution applicable to your policy are detailed in your Policy Wording or Policy Schedule. These amounts must be paid in the event of each and every claim.
  • Limits may apply to your policy, please refer to your Policy Wording and Policy Schedule for details.

Section of the Policy that contains further details

General Conditions & General Exceptions

Excesses

The following excesses apply to your policy as a whole regardless of the specific cover you have selected. For full details of these please read your Policy Wording/Schedule.

Excesses
Item Excess
Instructor Equipment £250
Public/Products Liability - Any One Event £250
Professional Indemnity £250

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Premium £53.30
Insurance Premium Tax @ 6% £3.30
Administration Fee £1.50
Total Payable (per year) £63.30

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Policy Wording (PDF 614kb)
Policy Summary (PDF 249kb)

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