Find out more about the policy.
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 cover includes Professional Indemnity, Public & Products Liability and Libel and Slander insurances.
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 |
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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. |
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- Contingent motor liability | - Excludes legal liability:
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- 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. |
Public/Products Liability
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 |
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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:
- 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:
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- 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 |
Professional Indemnity
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:
Employers' Liability
Provides cover for your business equipment (Contents).
Cover is on a reinstatement ‘as new’ basis
Please note that these exclusions apply to cover for Buildings, Contents and Stock:
Property Damage
Provides financial protection following accidental bodily injury to Insured Persons.
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:
Personal Accident
Provides financial protection following accidental bodily injury to Insured Persons.
Cover includes | Significant exclusions or limitations |
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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 |
Personal Accident
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.
General Conditions & General Exceptions
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.
Item | Excess |
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Instructor Equipment | £250 |
Public/Products Liability - Any One Event | £250 |
Professional Indemnity | £250 |