SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover"

Transcription

1 SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover This is a basic summary of the benefits, features, limitations and exclusions of the cover provided and does not contain the full terms and conditions of the policy issued at inception of cover; complete copies of applicable full Policy Wordings are available to view on our website or will be provided on request. It is important that you read the policy document carefully when you receive it and any endorsements attaching thereto. Cover applies only for sections where requested and/or as indicated on the attached Quotation, Renewal &/or Policy schedule. Combined Liability Insurance (Cover applies only where indicated on schedule) Name of the Insurer The insurer of the policy is Faraday Reinsurance Co. Limited under a scheme arranged and managed by Security Industries Specialist Services. (Liability wording reference: SISS/FRE(b)GL001/2010) Duration of Policy The Policy will remain in force for 12 months from date of commencement, or as otherwise shown on your Policy Schedule. Employer s Liability This insurance protects you against damages and legal costs that arise as a result of claims from employees suffering death, injury, illness or disease from their employment. Significant Features & Benefits applying to Employer s Liability Provides protection for legal liability for damages and all costs up to a limit 10million within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man Extends whilst temporarily outside the above territories in the course of employment whilst engaged in non-manual work Covers private work carried out for directors or executives with the consent of the Insured Indemnity to principal Unsatisfied Court Judgements Health and Safety at Work Act and Corporate Manslaughter defence costs Cross liabilities clause Court attendance costs Significant & Unusual Exclusions or Limitations applying to Employer s Liability Cover is for any one claim or series of claims arising out of one occurrence, all costs and expenses paid are included within the limit Offshore work (unless required by compulsory insurance regulations to make a payment in respect of Injury then the limit is restricted to 5million) Road traffic Act legislation Arising from the manufacture, production, storage or handling of asbestos or any materials containing asbestos Public & Products Liability Cover is provided in respect of legal liability in connection with your business to pay compensation including legal costs for: Accidental death or injury to any persons excluding employees Accidental loss or damage to third party property Accidental injury or accidental loss or damage caused by products supplied by you Significant Features & Benefits applying to Public & Products Liability Applies within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. In respect of Products Liability, anywhere in the world (other than USA/Canada) for goods supplied by you Extends whilst temporarily elsewhere in the world whilst engaged in non-manual work in connection with the business Indemnity to principal Motor vehicles tool of trade risk Motor contingent liability Movement of obstructing vehicles Defective Premises Act Leased or rented premises Data Protection Act defence costs Consumer Protection Act and Food Safety Act defence costs - 1

2 Health and Safety at Work Act and Corporate Manslaughter defence costs Cross liabilities clause Court attendance costs Significant & Unusual Exclusions or Limitations applying to Public & Products Liability The policy excess as stated in your Policy Schedule in respect of loss of or damage to third party property Public Liability is for any one claim or series of claims arising out of one occurrence, which does not exceed in the aggregate the limit of indemnity stated in your Policy Schedule, but unlimited in the period of insurance. All costs and expenses are payable in addition to your insured limit Products Liability claims are limited in total to the limit stated in your Policy Schedule. All costs and expenses are payable in addition to your insured limit Pollution and contamination liability is excluded unless it is as a result of a sudden and unforeseen incident which takes place in its entirety at a specific time and place Goods manufactured sold supplied to USA/Canada Any losses arising out of your responsibilities under the Road Traffic Act Professional Indemnity Property in your care custody and control Contractual liability Arising out of hazardous (to human health) component building material Arising from the manufacture, production, storage or handling of asbestos or any materials containing asbestos Exclusions to all Sections Radioactive contamination Punitive, multiplied or exemplary damages Terrorism (other than the statutory limit of 5m under the EL section) and War Cancellation The insured has no cancellation rights under this Policy. Choice of Law Unless specifically agreed to the contrary this Insurance Policy shall be subject to English Law Tools of Trade Insurance (Cover applies only where indicated on schedule) Insurer: What Is Covered: Scope of Cover: Period of Cover: Not Covered: Excess: Exclusion: Great Lakes Reinsurance Plc via Contessa Ltd under a scheme arranged and managed by Security Industries Specialist Services (Tools wording reference: SISS/TT/2010/01) Loss or damage to powered or non powered hand held tools belonging to, leased or hired to you or your employees, including loss or damage to stock, items &/or products during transit to or from site. All Risks of physical loss or damage occurring during the period of insurance anywhere within the European Union, subject to the terms and limits of the policy. 12 months from date of commencement, or as otherwise shown on your Policy Schedule Breakdown, wear, tear or gradual deterioration, deliberate loss, mysterious disappearance, consequential loss or legal liability and 'ride on' &/or self propelled tools, plant or equipment Minimum of 50 or 5% coinsurance, whichever the greater, each & every claim. Losses whilst unattended unless contained; within a locked vehicle with all security devices in force, all windows and other openings closed and items not left on general display within the vehicle, or; within a locked storage unit &/or building Commercial Legal Expenses (Cover applies only where indicated on schedule) Name of the Insurer The insurer of the policy is DAS Legal Expenses Insurance Company Limited under a scheme arranged and managed by Security Industries Specialist Services. (Wording reference: CLPClub2/DAS6525/2011). DAS Legal Expenses Insurance Company Limited is authorised and regulated by the Financial Services Authority. Duration of Policy The Policy will remain in force for 12 months from date of commencement, or as otherwise shown on your Policy Schedule. - 2

3 What we pay The policy will pay legal costs up to 100,000 including solicitors and barristers fees, court costs, expenses for expert witnesses, attendance expenses, accountants fees and employment compensation awards. It will also pay the costs of appealing or defending an appeal. Employment Disputes and Compensation Awards 1. Employment Disputes Defending your legal rights before the issue of proceedings in a court or tribunal following dismissal of an employee. Defending your legal rights in respect of any dispute with an employee or ex-employee relating to their contract of employment. Defending your legal rights in respect of any dispute with an employee, prospective employee or ex-employee arising from an alleged breach of their statutory rights under employment legislation. Please note that waiting periods may apply to claims that arise from employment disputes. 2. Compensation Awards In respect of a claim we have accepted under Employment Disputes cover, we will pay any basic and compensatory award and/or compensation awards arising from an alleged breach of an employee, prospective employee or ex-employee s statutory rights under employment legislation; provided that throughout the employment dispute, you have either followed the ACAS Code of Disciplinary and Grievance Procedures in Employment, the equivalent codes of practice issued by the Labour Relations Agency in Northern Ireland, or sought and followed advice from the DAS legal advice service. 3. Employee Civil Legal Defence Defends the insured person s legal rights if an event arising from their work as an employee leads to civil action being taken against them: (i) under legislation for unlawful discrimination; or (ii) as trustee of a pension fund set up for the benefit of your employees. 4. Service Occupancy Negotiating for your legal rights against an employee or ex-employee to recover possession of premises which are owned by you or for which you are responsible. Legal Defence Defending your legal rights or your employees legal rights prior to legal proceedings when dealing with the police or the relevant Health and Safety authority where it is alleged that you or your employees have or may have committed a criminal offence in connection with your business activities. Defending non-motor criminal prosecutions arising from your business activities. Defending civil actions taken against you or your employees for compensation under section 13 of the Data Protection Act 1998, including the payment of any compensation award made against you or your employees. Appealing against the refusal of the Information Commissioner to register your application for registration. Appealing against the imposition or terms of any Statutory Notice issued under UK legislation affecting your business. Defending a civil action taken against you for wrongful arrest in respect of an accusation of theft. The attendance expenses of your employees for jury service. Statutory Licence Appeal Appealing to the relevant statutory or regulatory authority, court or tribunal, following a decision by a licensing or regulatory authority to suspend, alter, refuse to renew or cancel your licence, mandatory registration or British Standard Certificate of Registration. Contract Disputes Cover Negotiating for your legal rights in a contractual dispute arising from an agreement or alleged agreement entered into by you or on your behalf, for the purchase or hire or sale or provision of goods or services, providing the amount in dispute exceeds 500 (including VAT) and does not exceed 5,000 (including VAT). Property Protection and Bodily Injury (a) Property Protection Pursuing your legal rights in a civil action following an event causing physical damage to material property which you own or are responsible for, or any nuisance or trespass. (b) Personal Injury At your request, pursuing your employees and their family members legal rights following their death or bodily injury. - 3

4 Tax Protection 1. Full or Aspect Enquiries Negotiating on your behalf and representing you in any appeal proceedings in respect of a full or aspect enquiry carried out by HM Revenue & Customs. A 200 excess applies for aspect enquiries and there is an inner limit of indemnity of 2, Cross-Tax Enquiries Negotiating on your behalf and representing you in any dealings with HM Revenue & Customs in respect of a full enquiry which includes a review of VAT and/or Employer Compliance. 3. Employer Compliance Disputes Negotiating on your behalf and representing you in any appeal proceedings in a dispute concerning your compliance with Pay As You Earn, Social Security, Construction Industry or IR35 legislation and regulations. 4. VAT Disputes Negotiating on your behalf and representing you in any appeal proceedings arising out of a dispute with HM Revenue & Customs. Helpline Services The following helpline services are available 24 hours a day, 365 days a year during the period of insurance. Legal Advice Service We will provide you with a confidential legal advice service over the phone on any commercial legal problem affecting your business subject to the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway. Tax Advice We will provide you with confidential advice over the phone on any tax matters affecting your business under the laws of the United Kingdom. Counselling Service We will provide all employees (and members of their immediate family who always live with them) with a confidential counselling service over the phone including, where appropriate, onward transmission to relevant voluntary and/or professional services. Employment Manual The DAS Employment Manual offers comprehensive, up to date guidance on rapidly changing employment law. This can be viewed online at DASbusinesslaw DASbusinesslaw can create ready to sign contracts, agreements and letters in minutes. Developed by solicitors and tailored by you using DAS smart document builders. The service also provides useful tools, articles and information on matters such as new legislation, employment issues, property law and taxation. Conditions Applicable to All Sections of Insurance The information provided by you on the proposal form or statement of fact are complete and accurate Any changes in circumstance and/or material information during the period of insurance must be notified to us immediately The policies are governed by English Law All claims and/or circumstances which might give rise to a claim must be notified to us in writing as soon as possible You must take all reasonable steps to mitigate any loss Please refer to CLP Club2 policy wording reference DAS6525 for policy terms and conditions under Commercial Legal Expenses. Claims You must Notify Security Industries Specialist Services as soon as you become aware of any loss, incident, circumstance or dissatisfaction expressed by a client about your work (even if you disagree with their view) that may give rise to a claim being made against you and for which there may be liability under this insurance: Security Industries Specialist Services 7d Cranmere Road Okehampton Devon EX20 1UE Telephone: Please refer to CLP Club2 policy wording reference DAS6525 for details on how to report a Commercial Legal Expenses claim. - 4

5 Cancellation You can cancel this policy within 14 days of receipt of your policy documentation and a full refund of the applicable premium will be provided. Cancellation at any other time during the policy period is at the discretion of insurers. Complaints We aim to give our policyholders a high level of service at all times. If there are occasions when we do not meet your standards please contact Security industries Specialist Services in the first instance at the address shown above. If you still remain dissatisfied you have the option of contacting your Insurers whose details are as below Employers, Public & Products Liability: Faraday Reinsurance Co. Limited, 5th Floor Corn Exchange, 55 Mark Lane, London EC3R 7NE Tools of Trade: Contessa Ltd, Suite 734, 7 th Floor, 1 Lime Street, London EC3M 7HA They will handle your complaint as follows: They will acknowledge within five working days and advise you of the name and title of the person who is handling your complaint They will deal with your complaint as quickly as possible and aim to provide you with a formal response within twenty working days of receipt of the complaint. If compensation or redress is appropriate we will provide details with our response. If we feel your complaint is not justified full reasons for our decision will be provided to you If they are unable to resolve your complaint within twenty working days we will write to you and explain why we have been unable to resolve the issue. We will also advise you when you can expect to receive our final response. Their response to your complaint will always provide you with a copy of the Financial Ombudsman Service explanatory leaflet However, if you continue to remain dissatisfied you have the option of contacting The Financial Ombudsman Service. Their address is:- The Financial Ombudsman Service: South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel: Please refer to CLP Club2 policy wording reference DAS6525 for details of the Commercial Legal Expenses complaints procedure. Data Protection The defined terms used in this section shall have the meaning given to those terms in the Data Protection Act 1998 (as may be amended from time to time). In the course of providing insurance services to the proposed insured / insured, the insurer may have access to Personal Data. The proposed insured / insured warrants that they shall have obtained all necessary authorisations and approvals from Data Subjects prior to disclosing any Personal Data to the insurer (whether such disclosure is made directly by the proposed insured / insured to the insurer or indirectly by the proposed insured / insured to any agent acting on behalf of the proposed insured / insured or the insurer). The insurer shall be the Data Controller of any Personal Data provided to it. The insurer undertakes that it shall only use any Personal Data provided to it for the purposes of performing its services in connection with its contract of insurance with the proposed insured / insured. This will include the processes of underwriting, administration and claims assessment as well as any necessary services ancillary thereto. The insurer will hold all Personal Data provided to it securely and shall limit access to such Personal Data to those who have a need to see it. The proposed insured / insured hereby consents to the insurer sharing any Personal Data provided to it with its group companies, agents, reinsurers, claims handlers, loss adjusters, medical professionals and other professional advisors, healthcare management companies and any other necessary service providers with whom the insurer contracts in connection with the proposed contract / contract of insurance between the proposed insured / insured and the insurer. The insured acknowledges that the insurer may be required as a matter of law or regulation to disclose Personal Data provided to it to a Court of law or regulatory body such as the Financial Services Authority or any other public body or authority of competent jurisdiction and the proposed insured / insured hereby consents to any such disclosure. The proposed insured / insured acknowledges that the insurance industry maintains certain registers for the purposes of fraud prevention and hereby consents to the insurer sharing Personal Data provided to it with fraud prevention agencies and other insurance companies for the purposes of fraud prevention and to validate your claims history. Please refer to CLP Club2 policy wording reference DAS6525 for Data Protection information concerning Commercial Legal Expenses. - 5

6 Several Liability PLEASE NOTE This notice contains important information. PLEASE READ CAREFULLY The liability of an insurer under this contract is several and not joint with other insurers party to this contract. An insurer is liable only for the proportion of liability it has underwritten. An insurer is not jointly liable for the proportion of liability underwritten by any other insurer. Nor is an insurer otherwise responsible for any liability of any other insurer that may underwrite this contract. The proportion of liability under this contract underwritten by an insurer (or, in the case of a Lloyd s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown in this contract. In the case of a Lloyd s syndicate, each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member s proportion. A member is not jointly liable for any other member s proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd s, One Lime Street, London EC3M 7HA. The identity of each member of a Lloyd s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd s, at the above address. Although reference is made at various points in this clause to this contract in the singular, where the circumstances so require this should be read as a reference to contracts in the plural. 07/03/08 LMA5096 (Combined Certificate) Commission Disclosure SISS receive remuneration in the form of commission and administration fees from insurers. In certain cases we may receive commission on the profitability of the business placed with insurers. Commercial Customers are entitled to request information by writing to our office regarding any commission which we may have received as a result of placing your insurance business. Duty of Disclosure You have a duty under all sections of this insurance to declare all material information and facts likely to influence an underwriter s decision whether to accept the risk offered to them. This information is taken into consideration when calculating premiums, applying terms or setting policy conditions. It is therefore essential that the information you provide is accurate and kept up to date during the period of insurance to ensure that the policy performs as you expect. Failure to disclose and maintain accurate information could effect the validity &/or performance of this insurance. - 6

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover June 2012 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About

More information

R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover March 2014 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About R&Q This Insurance product

More information

Your Professional Indemnity Solution.

Your Professional Indemnity Solution. Pinsure Your Professional Indemnity Solution. 18 Henfield Business Park, Shoreham Road, Henfield, West Sussex, BN5 9SL Tel. 01273 494914 ~ Fax. 01273 494964 Email: pinsure@pinsure.co.uk Web: www.pinsure.co.uk

More information

Tools of Trade Insurance Policy. Alarm, Fire & Security Industry. TOOLS OF TRADE INSURANCE SISS/TT/2010/01 Page 1 of 8

Tools of Trade Insurance Policy. Alarm, Fire & Security Industry. TOOLS OF TRADE INSURANCE SISS/TT/2010/01 Page 1 of 8 Tools of Trade Insurance Policy Alarm, Fire & Security Industry Page 1 of 8 Your Insurance Policy Thank you for choosing Security Industries Specialist Services to arrange your insurance. We are dedicated

More information

Tradesman Essential Per Capita Liability Insurance Summary of Cover

Tradesman Essential Per Capita Liability Insurance Summary of Cover Tradesman Essential Per Capita Liability Insurance www.towergate.co.uk This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by your Tradesman Essentials

More information

SUMMARY OF COVER. Max 10/10 Liability and Construction

SUMMARY OF COVER. Max 10/10 Liability and Construction SUMMARY OF COVER Max 10/10 Liability and Construction Liability & Construction Max 10/10 Policy Summary of Cover This leaflet provides a summary of the significant features, benefits and of the cover provided

More information

To ensure that this Policy continues to meet your needs you should review and update your cover periodically.

To ensure that this Policy continues to meet your needs you should review and update your cover periodically. Summary of Cover iprism Tradesman & Contractor Policy This document provides a summary of the cover provided by the iprism Tradesman & Contractor policy. This summary is provided to you for information

More information

Public and Product Liability - General

Public and Product Liability - General Section 3E Public and Product Liability - General Definitions Business The business stated in the specification to this section and includes: a) the provision and management of canteen, sports, social,

More information

Professionals Insurance. Summary of cover

Professionals Insurance. Summary of cover Professionals Insurance Summary of cover December 2013 Why choose AXA s Professionals Insurance policy? Tailor-made for your business The Professionals Insurance is available to self employed people whose

More information

Tradesmen Insurance. Summary of cover

Tradesmen Insurance. Summary of cover Tradesmen Insurance Summary of cover December 2013 Why choose AXA s Tradesmen Insurance policy? Tailor-made for your business The Tradesmen Insurance is available to self employed people whose business

More information

FAMILY CLASSIC LEGAL PROTECTION & ADVICE KEY FACTS BROCHURE

FAMILY CLASSIC LEGAL PROTECTION & ADVICE KEY FACTS BROCHURE FAMILY CLASSIC LEGAL PROTECTION & ADVICE KEY FACTS BROCHURE WHY YOU NEED DAS FAMILY CLASSIC STANDARD COVERS EMPLOYMENT COVER CONSUMER CONTRACT DISPUTES PERSONAL INJURY NEIGHBOUR PROBLEMS HM REVENUE & CUSTOMS

More information

Commercial legal protection (including contract disputes and debt recovery) Policy wording

Commercial legal protection (including contract disputes and debt recovery) Policy wording DAS Legal Expenses Insurance Company Limited (DAS) is the underwriter and provides the legal protection insurance under your policy. The legal advice service is provided by DAS Law Limited and/or a law

More information

Commercial Legal Protection

Commercial Legal Protection Commercial Legal Protection Content Welcome to Commercial Legal Protection... 03 This is your Commercial Legal Protection Policy... 04 The meaning of words in this policy... 05 Insured incidents we will

More information

Hiscox Professional Indemnity Insurance for IT Consultants and Suppliers Policy Summary

Hiscox Professional Indemnity Insurance for IT Consultants and Suppliers Policy Summary Hiscox Professional Indemnity Insurance for IT Consultants and Suppliers What is a? This document provides key information about Hiscox Professional Indemnity (PI) Insurance for IT consultants and suppliers.

More information

Commercial legal protection Policy wording

Commercial legal protection Policy wording How can DAS help Send your claim to When DAS cannot help Cover DAS Legal Expenses Insurance Company Limited (DAS) is the underwriter and provides the legal protection insurance under your policy. The legal

More information

Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859

Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859 Business Insurance Business Legal Guard Policy Summary Commercial Claims 0345 125 8859 (Monday to Friday, 9am-5pm) This is a summary of the cover available under the Post Office Money Business Legal Guard

More information

MAKING MUSIC INSURANCE SCHEME Policy Summary

MAKING MUSIC INSURANCE SCHEME Policy Summary MAKING MUSIC INSURANCE SCHEME This is a policy summary only and does not contain the full terms and conditions of the policy. Full terms and conditions can be found in the policy document, a copy of which

More information

towergate commercial fleet

towergate commercial fleet POLICY SUMMARY About this Document: Please note that this is a policy summary. It does not contain the full terms and conditions of the contract of insurance. These can be found in the policy document,

More information

Policy document. Employers Liability

Policy document. Employers Liability Policy document Employers Liability Contents Employers Liability 4 The cover 5 Exclusions 8 Conditions 9 Complaints procedure 10 A warm welcome to Zurich Thank you for taking out your Employers Liability

More information

Employers Liability Insurance

Employers Liability Insurance Employers Liability Insurance Policy Zurich Global Corporate UK Contents Welcome to Zurich Global Corporate UK 3 Employers Liability Policy 4 Law applicable to the contract 4 Extensions 5 Exclusions 7

More information

Employers Liability. Policy document

Employers Liability. Policy document Employers Liability Policy document Contents A warm welcome to Zurich 3 Your Employers Liability policy 3 The cover 5 Exclusions 6 Conditions 6 Our complaints procedure 7 2 A warm welcome to Zurich Thank

More information

Legal Expenses Policy Wording

Legal Expenses Policy Wording NB: The insurance provided by this Policy is on a claims made basis, which means that for there to be a valid claim under this Section, the claim must be reported to the company within the Period of Insurance.

More information

Employers Liability Policy of Insurance

Employers Liability Policy of Insurance Employers Liability Policy of Insurance EMPLOYERS' LIABILITY POLICY OF INSURANCE MSI Corporate Capital Limited as the Underwriting Member of MIT Syndicate 3210 at Lloyd s hereinafter referred to as the

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

Policy Summary. About this Document. About CHI. Key Features include. Duration of Portfolio. Policy Cover

Policy Summary. About this Document. About CHI. Key Features include. Duration of Portfolio. Policy Cover Policy Summary About this Document Please note that this is a policy summary. It does not contain the full terms and conditions of the contract of insurance. These can be found in the policy document,

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Contractors Policy Summary UK General - Contractors Insurance Policy Summary 06.2014

Contractors Policy Summary UK General - Contractors Insurance Policy Summary 06.2014 Introduction This document provides a summary only of the significant aspects of cover (including restrictions) provided by the UK General Contractors Insurance Policy. For full details, please refer to

More information

Legal Expenses Insurance Policy

Legal Expenses Insurance Policy Legal Expenses Insurance Policy Some important facts about the Legal Expenses policy are summarised below. This summary does not describe all of the terms and conditions of the policy, so please take time

More information

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13

More information

COMMERCIAL LEGAL PROTECTION BUSINESS LEGAL PROTECTION & ADVICE POLICY SUMMARY BROCHURE

COMMERCIAL LEGAL PROTECTION BUSINESS LEGAL PROTECTION & ADVICE POLICY SUMMARY BROCHURE COMMERCIAL LEGAL PROTECTION BUSINESS LEGAL PROTECTION & ADVICE POLICY SUMMARY BROCHURE WHY YOUR COMPANY NEEDS IT INTRODUCTION The cost of defending your company s legal rights is increasing, with few companies

More information

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less.

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. PROFESSIONALS Summary of Cover The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Professionals policy? Tailor-made for your

More information

www.startrescue.co.uk 01

www.startrescue.co.uk 01 INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document

More information

Architects and Engineers Professional Liability Insurance Summary

Architects and Engineers Professional Liability Insurance Summary Architects and Engineers Professional Liability Insurance Summary Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation

More information

Construction Consultants Professional Liability Insurance Summary

Construction Consultants Professional Liability Insurance Summary Construction Consultants Professional Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal

More information

Photographic Alliance of Great Britain Clubs Public/Products Liability

Photographic Alliance of Great Britain Clubs Public/Products Liability Underwritten by Photographic Alliance of Great Britain Clubs Public/Products Liability Policy Summary Arranged by 2 Photographic Alliance of Great Britain Public/Products Liability Policy Summary Photographic

More information

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet:

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet: Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

Employers' Liability Insurance Insurance Summary

Employers' Liability Insurance Insurance Summary Employers' Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal documentation and as confirmed

More information

COMBINED LIABILITY INSURANCE For Tour Operators and Travel Agents Policy Summary

COMBINED LIABILITY INSURANCE For Tour Operators and Travel Agents Policy Summary Arranged by Your document is an annual contract which may be renewed each year subject to your needs and our terms and conditions The policy cover provides packaged insurance cover including Combined Liability

More information

Contractors' Combined Liability Insurance Summary

Contractors' Combined Liability Insurance Summary Contractors' Combined Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal documentation and as confirmed

More information

Design and Construct Professional Liability Insurance Summary

Design and Construct Professional Liability Insurance Summary Design and Construct Professional Liability Insurance Summary Design and Construct Professional Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated

More information

LIABILITY. Policy Summary

LIABILITY. Policy Summary LIABILITY Policy Summary 2 Liability Policy Summary LIABILITY Policy Summary This policy is an annually renewable Liability insurance, underwritten by Tower Insurance Company Limited which may be renewed

More information

Public and Product Liability Claims Made Insurance (UK) Insurance Summary

Public and Product Liability Claims Made Insurance (UK) Insurance Summary Public and Product Liability Claims Made Insurance (UK) Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal

More information

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. 6758_WLI354NZ_POL.qxd 17/8/04 8:49 Page 1 VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5

More information

Motor Trade Policy Summary We re here, whatever your business

Motor Trade Policy Summary We re here, whatever your business Motor Trade Policy Summary We re here, whatever your business This is a summary of the policy and does not contain the full terms, conditions and exceptions of the cover, which can be found in the policy

More information

An insurance package suitable for small to medium sized businesses in the construction industry with a:-

An insurance package suitable for small to medium sized businesses in the construction industry with a:- Contractors Choice Summary of Cover An insurance package suitable for small to medium sized businesses in the construction industry with a:- Turnover up to 1.5m at new business and 2m at renewal Maximum

More information

Independent Living Insurance. Policy Summary

Independent Living Insurance. Policy Summary Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms

More information

Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan)

Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan) Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan) This insurance is administered by Arc Legal Assistance Limited and underwritten by Inter

More information

FLEET UNDERWRITING POLICY SUMMARY

FLEET UNDERWRITING POLICY SUMMARY FLEET UNDERWRITING POLICY SUMMARY Some important facts about your Motor Insurance are summarised below. This summary does not contain the full terms and conditions of the contract which can be found in

More information

Liability Insurance Policy

Liability Insurance Policy Liability Insurance Policy 1 INTRODUCTION The INSURED has applied for this Insurance by completing a proposal form or a statement of fact and declaration which is the basis of this contract and is deemed

More information

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Sign, Digital and Copy Shop Insurance Summary of Cover

Sign, Digital and Copy Shop Insurance Summary of Cover in association with Sign, Digital and Copy Shop Insurance Summary of Cover Atlantic Print Solutions Limited (APS) APS are Authorised Representatives of LJJ Associates Limited. LJJ Associates Limited of

More information

Surveyors Professional Liability Insurance Summary

Surveyors Professional Liability Insurance Summary Surveyors Professional Liability Surveyors Professional Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation

More information

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited.

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited. Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

Your Motor Legal Protection Insurance Policy Wording

Your Motor Legal Protection Insurance Policy Wording Your Motor Legal Protection Insurance Policy Wording www.debenhamscarinsurance.co.uk Contents Your Motor Legal Protection Insurance Policy Wording... 3 General Exceptions... 10 2 Your Motor Legal Protection

More information

My Legal Expenses Cover...

My Legal Expenses Cover... My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us

More information

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Sports Liability Insurance for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Contents Choose sportsinsurance4u from General & Medical Healthcare

More information

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited.

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited. Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

CUSTOMER SERVICE INFORMATION. Premier Commercial Limited. The Company

CUSTOMER SERVICE INFORMATION. Premier Commercial Limited. The Company CUSTOMER SERVICE INFORMATION The Company Faraday Reinsurance Co. Limited is a limited company registered in England under company number 0733074. The registered office of Faraday Reinsurance Co. Limited

More information

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it MOTORING LEGAL SOLUTIONS MCE ASSIST THIS IS YOUR INSURANCE POLICY This policy is evidence of the contract between you and the Insurer. Following an Insured Event the Insurer will pay the Insured s Legal

More information

PowerPlace Hotels & Guest Houses Summary of Cover

PowerPlace Hotels & Guest Houses Summary of Cover PowerPlace Hotels & Guest Houses Summary of Cover www.towergate.co.uk/tcu This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy

More information

Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies

Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies Leisure & Sport Public Liability Insurance for Owners of Horses & Ponies Policy Summary Arranged by Just Equestrian specially arranged by South Essex Insurance Brokers. South Essex Insurance Brokers Ltd

More information

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording.

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording. Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only

More information

Farm Business Protector Commercial Legal Protection Legal advice and protection for your business

Farm Business Protector Commercial Legal Protection Legal advice and protection for your business Farm Business Protector Commercial Legal Protection Legal advice and protection for your business Policy Number: TS5/3618818 For advice on farming matters or to make a claim under Arbitration & Agriculture

More information

Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary

Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions Underwritten by a member of the QBE Insurance Group (QBE) This insurance

More information

Intellectual Property Pursuit and Defence. Summary of Cover

Intellectual Property Pursuit and Defence. Summary of Cover Intellectual Property Pursuit and Defence Summary of Cover Intellectual Property Pursuit and Defence Summary of cover This insurance is an annual contract unless stated otherwise in the quotation or renewal

More information

Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance

Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance Touchstone Underwriting PROPERTY POLICY SUMMARY Commercial Legal Expenses Insurance The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits,

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Employers Liability Section

Employers Liability Section Employers Liability Section Definitions 1 lnjury Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock 2 Employee A B Any person under a contract of service or apprenticeship

More information

MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS

MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. Motor Fleet Policy The Fleet

More information

Insurer Thistle Underwriting acting in an underwriting capacity on behalf of those Lloyd s Underwriters subscribing to the above policy.

Insurer Thistle Underwriting acting in an underwriting capacity on behalf of those Lloyd s Underwriters subscribing to the above policy. CONTRACTORS & ENGINEERS POLICY Please read this document carefully This is a summary of the cover provided by your Policy. It contains references to the key features and benefits of the Policy as well

More information

Motor Fleet Insurance

Motor Fleet Insurance Motor Fleet Insurance Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made

More information

Motor Excess Protection Insurance

Motor Excess Protection Insurance Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United

More information

Your Van Insurance Motor Legal Protection Policy Booklet

Your Van Insurance Motor Legal Protection Policy Booklet Your Van Insurance Motor Legal Protection Policy Booklet Contents Motor Legal Protection Insurance...3 Motor Legal Expenses...3 Helpline Services...3 Motor Legal Expenses Policy Summary...4 Cancellation

More information

You should read this Summary of Cover in conjunction with the Policy Schedule and Policy Wording.

You should read this Summary of Cover in conjunction with the Policy Schedule and Policy Wording. Summary of Cover iprism Office Policy About Your Policy This document provides a summary of the cover provided by the iprism Office policy. This summary is provided to you for information purposes only

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

COMMERCIAL LEGAL PROTECTION

COMMERCIAL LEGAL PROTECTION DAS Legal Expenses Insurance Company Limited. Head and Registered Office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH England. Registered in England and Wales, number 103274. COMMERCIAL LEGAL PROTECTION

More information

LIABILITY Policy Summary

LIABILITY Policy Summary LIABILITY Policy Summary 2 Liability Policy Summary LIABILITY Policy Summary This policy is an annually renewable Liability insurance, underwritten by Royal & Sun Alliance Insurance plc. which may be renewed

More information

Sport Recreation and Leisure Liability

Sport Recreation and Leisure Liability Underwritten by Sport Recreation and Leisure Liability Policy Summary Arranged by 2 Sport Recreation and Leisure Liability Policy Summary Sport Recreation and Leisure Liability Policy Summary The information

More information

MOTOR FLEET INSURANCE

MOTOR FLEET INSURANCE MOTOR FLEET INSURANCE Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Family Select Legal Protection

Family Select Legal Protection Family Select Legal Protection It may be an employment matter, a dispute over goods that you purchase or sell, or you and your family may find yourself involved in legal areas which are governed by a minefield

More information

Liability Insurance Policy

Liability Insurance Policy Liability Insurance Policy Please read this document carefully and keep for future reference MG Underwriting Staley House Hassall Street Tel: 0161 304 9933 Stalybridge Fax: 0161 304 9966 SK15 2LF www.mgunderwriting.com

More information

FLEETSHIELD. Policy Summary

FLEETSHIELD. Policy Summary FLEETSHIELD Policy Summary FleetShield Policy Summary FleetShield Policy Summary Your Tower Insurance FleetShield Policy is an annual contract which may be renewed each year subject to your needs and our

More information

Legal Expenses (Operative only if so stated in the specification)

Legal Expenses (Operative only if so stated in the specification) Section 3K (Operative only if so stated in the specification) Definitions Applicable to this section only. The meaning of other words in bold type are to be found in the General Conditions of the policy.

More information

Octagon Insurance Lost Key Protection. Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys

Octagon Insurance Lost Key Protection. Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys Octagon Insurance Lost Key Protection Assists you to get home safely Recovers your lost or stolen keys Protects you and your keys lost Key Protection This Octagon insurance policy has been arranged by

More information

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE Act quickly after an accident and call us now on 0800 783 6066 2 DASDRIVE ULTIMATE If you ve been unfortunate enough to have been involved in a motor

More information

Congratulations... ...and thank you for buying a Motoring First policy.

Congratulations... ...and thank you for buying a Motoring First policy. 2 Congratulations......and thank you for buying a Motoring First policy. This document explains exactly what is covered by Licence Shield, how to make a claim, important contact details and much more.

More information

Key Cover Policy Document

Key Cover Policy Document Key Cover Policy Document www.greeninsurancecompany.co.uk The Green Insurance Company Key Cover has been designed to look after you in the event your keys are lost, stolen or broken. Your Key Cover Policy

More information

Property Owners Key Facts

Property Owners Key Facts Property Owners Key Facts Property Owner s Insurance Guide and Certificate Summary Fusion-Deliberately Different Fusion has a deliberately different approach to Commercial Insurance. Rather than sell

More information

QBE European Operations Academy Combined Liability Insurance (UK) Schedule

QBE European Operations Academy Combined Liability Insurance (UK) Schedule QBE European Operations Academy Combined Insurance (UK) Schedule Policy Number: Y080684QBE0115A/085 Policy Wording Reference: PPBL020113 Period of Insurance: From: 01/09/2015 To: 31/08/2016 both days inclusive

More information

Key Protection Policy Wording

Key Protection Policy Wording Key Protection Policy Wording This Policy has been arranged by Motorplus Limited and Boomerang-Tag Limited with Qdos Broker & Underwriting Services Limited and is underwritten by UK General Insurance Limited

More information

COMPLETE PROPERTY OWNER Renewal SCHEDULE

COMPLETE PROPERTY OWNER Renewal SCHEDULE COMPLETE PROPERTY OWNER Renewal SCHEDULE Please note that the premium, terms and conditions of your policy have been based on the details you have given us. If there have been any alterations to those

More information

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING Activities Industry Mutual Limited Registered in England No. 05372198. Registered Office: 7 Maltings Place, 169 Tower Bridge Road, London

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND CLUBS

DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND CLUBS PLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND

More information

Co-operative Insurance Motor Legal Expenses and Legal Helpline

Co-operative Insurance Motor Legal Expenses and Legal Helpline Co-operative Insurance Motor Legal Expenses and Legal Helpline Welcome to The Co-operative Insurance Motor Legal Expenses cover, which is included as standard as part of the Van Insurance from The Co-operative

More information

Non-Negligence Liability Insurance (UK) Insurance Summary

Non-Negligence Liability Insurance (UK) Insurance Summary Non-Negligence Liability Insurance (UK) Non-Negligence Liability Insurance (UK) is underwritten by a member of the QBE Insurance Group (QBE) This insurance is a non-renewable insurance contract and the

More information

Motor Legal Protection Policy

Motor Legal Protection Policy Motor Legal Protection Policy Motor Legal Protection Policy This policy meets the demands and needs of a driver who is involved in a motor accident for which they are not to blame and are not covered by

More information