Public and Products Liability Claims Made Insurance (UK) Notice of Change

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Public and Products Liability Claims Made Insurance (UK) Notice of Change"

Transcription

1 Public and Products Liability Claims Made Insurance (UK)

2 Significant Policy Cover Changes Your policy has been revised as a response to a need to update and/or clarify cover. The undernoted summarizes the changes relating to this revision as it impacts the standard policy form. We recognise that some policyholders may previously have been issued with not the preceding policy version but an even earlier version of this insurance. Therefore in addition to listing the changes made to this new current version of your policy we also set out the changes made when the preceding version of the policy was released. This document does not reflect specific customer modifications to the policy as confirmed by any schedule or endorsement. Current new version changes to your policy P LCM Public, Products and Pollution liability insured sections Rectification of defective work Clause amended to explain that we do not pay for rectification of your work carried out as part of the work undertaken or damage to any property forming part of the work undertaken until such property is handed over and subsequent activities at the site cause damage. Aircraft products Modified so that this exclusion only applies if the liability for defective products relates to flight safety. Pollution insuring clause Clause re-phrased so as to clarify that both the injury/damage and the polluting incident must take place during the period of insurance. Environmental statutory damage Clause re-phrased so as to remove any ambiguity that the cover does not respond to pollution or contamination clean up to your own land. This restriction extends to exclude preventative costs unless spent to prevent further pollution extending to third party property. Contractual liability Whilst this clause extends cover to include indemnities given under contract the clause has been modified to explain that cover does not extend beyond the indemnity stated under the insuring clause. So indemnities agreed by you under contract that go beyond your policy cover are not insured. Principals As with the contractual liability the indemnity to principal does not extend beyond the cover granted by the policy. Statutory defence costs The clause has been amended to make clear that cover for these costs is contingent upon our prior consent so as to ensure that such costs are reasonable in the circumstances and related to an insured injury. We have also introduced a Statutory defence costs exclusion (no longer limited to just manslaughter costs) so that the buyback of cover by this clause may be sub-limited as shown in your schedule. In addition we have removed the overlap cover for general prosecution costs and NLCM Page 2 of 6

3 manslaughter prosecution costs. Prosecution costs arising from manslaughter now only form part of the manslaughter limit. Aircraft The word spacecraft has been added to this exclusion. Costs of recall or guarantee This clause has been revised to remove any doubt that it also excludes the cost of recall or repair where the insured product forms part of or is an ingredient in any other product. Deliberate acts A rider has been added to clarify that we do not intend to exclude individual insured parties who are innocent. Employment disputes The wording has been re-phrased to clarify the nature of employment law violations that are excluded. Financial loss Rephrased and re-styled to ensure that covers granted elsewhere in the insuring sections are not inadvertently excluded. Disputed defence or appeal The requirement to refer defence dispute decisions to Queens Counsel has been changed to refer to a solicitor with 20 years experience in the field of insurance law. Definitions of deductible or excess Revised so that the amount of the deductible or excess will apply to either each claim or to each occurrence as confirmed in the schedule. General terms and conditions 2013 revision Non-disclosure and misrepresentation The legal and regulatory landscape in this area is also evolving. The Consumer Insurance (Disclosure and Representation) Act 2012, which came into force on 6 April 2013, abolished basis clauses in consumer policies, while the Financial Ombudsman Service (FOS) has customarily disapplied 'basis of contract' clauses when adjudicating micro-business disputes. In addition, the Law Commission is now recommending a similar reform in business insurance contracts and is likely to propose an abolition of basis clauses in its draft Bill which is expected in December Given the impending legal changes and in consideration of feedback from the market, QBE is now able to clarify its position with regard to basis of contract, fraud, non-disclosure and misrepresentation clauses. Our new material inaccuracy clause addresses these issues and has been prepared with the anticipated recommendations of the Law Commission's final report firmly in mind. Sanctions Following a review of HM Treasury s criticism of market wordings we considered that our current clause is not fully compliant. This has been revised. NLCM Page 3 of 6

4 Our regulator and other compliance changes The financial services regulator has changed both its structure and name. These changes take effect from the 1st April 2013 and insurers are required to amend all documentation to show the new details. These compliance changes do not affect your policy cover. For QBE and depending upon which member of our group provides your insurance this means changing our regulatory status to: QBE Insurance (Europe) Limited QBE Insurance (Europe) Limited (registered in England number ; Home State - United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority; registration number ) QBE Casualty Syndicate 386 QBE Casualty Syndicate 386 managed by QBE Underwriting Limited (company number , Home State - United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority; registration number ). QBE Syndicate 1886 QBE Syndicate 1886 is managed by QBE Underwriting Limited (company number , Home State - United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority; registration number ) Financial Services Compensation Scheme (FSCS) Coincidental with this change the Financial Services Compensation Scheme (FSCS) have moved address Complaints Our contact details in relation to complaints needed revision. Data Protection Act 1998 We have taken the opportunity to review and rename our Data Protection Act 1998 statement in anticipation of future EU Regulations. Preceding version changes to your policy P LCM Public, products and pollution liability 2012 revisions Advertising liability The term advertising liability caused some confusion as to what exactly was intended. In reality QBE only covered libel and slander. Thus this term has been deleted from the insuring clause and now appears as an exclusion. Libel and slander liability remains covered and forms part of the definition of personal injury. Overseas visits Cover for temporary business trips overseas has been extended to apply to the employee s family. Materials not yet installed This exclusion has been separated from the Work Away clause but fundamentally has not changed and continues to exclude damage to materials prior to and during installation NLCM Page 4 of 6

5 Rectification of defective work exclusion Again this exclusion has been separated from the Work Away clause and re-phrased. Legionella We have elected to remain silent as regards legionella. This has the effect of transferring cover from claims made to losses occurring basis under the public liability section. In addition, a clause granting run off cover has being provided to avoid a gap in coverage if the previous policy provided the cover on a claims made basis. Environmental Liability Extension There is a clarification that we give cover for preventative costs but is restricted to those circumstances where a pollution event has already occurred. Preventative costs are covered only to prevent or limit further pollution damage to third party property Motor Liability (loading/unloading) This coverage is no longer restricted to the driver and attendant (and there is a clarification that the extension does not apply to damage to the property being loaded or unloaded). Motor Liability (movement) We have now included an extension for the unauthorised movement of third party vehicles. Motor contingent Liability This extension is now widened from the UK to anywhere in the EU. Statutory defence Costs Defence costs have been segmented into three being those for manslaughter, prosecution costs and other statutory defence costs. Each has its own sub-limit of indemnity which is costs inclusive. The sub-limits are shown in the schedule Deliberate acts The deliberate acts exclusion is now stated not to apply to personal injury resulting from the use of reasonable force to protect persons or property. Heat work The distinction between high hazard hot work e.g. oxyacetylene, electric arc and similar welding on the one hand and other forms of heat has been removed. Thus the heat condition precedent now applies equally to all forms of heat work away from the premises. Revisions to general terms and conditions 2012 Sub-limits Sub-limits previously shown within the text of the policy wording are now moved to the schedule. Excess We have clarified that where more than one excess can apply to a claim, only one excess (the highest amount) will actually apply; also that the excess applies to defence costs (other than adjusters fees) as well as to damages. Observance We have clarified the different remedies available for the insurer if there is a breach of a condition by the insured as opposed to a breach of a condition precedent. NLCM Page 5 of 6

6 Claims notification There is some clarification to the notification requirements, for example for certain items required to be notified within 48 or 72 hours, these have now been amended to 3 working days. Non-disclosure The text for basis of information at inception has been deleted. Non-disclosure and misrepresentation now form part of the Fraud, non-disclosure or misrepresentation clause. The effect is to change the implied condition of warranting the truth to one of voidable at our option or to a condition precedent to liability depending upon whether the wrong was fraudulent or otherwise. Sanctions A clause has now been introduced to preclude coverage where the operation of the coverage would be in breach of legal sanctions. Employers Liability Tracing Office This new clause describes the regulatory requirement for information on the Insured and its insured subsidiaries to be supplied to the Employers Liability Tracing Office. Claims and suits All mentions of suits are now removed as it is thought unnecessary to have both words. Defence costs There is evidence that cover for defence costs is being exploited to pay unnecessary but exceptional high legal rates. Whilst these costs have always been incurred with our prior consent we have deleted the qualification which will not be unreasonably withheld so that QBE has greater control over such expenditure. Fees for HSE Intervention The policy was previously silent as regards to fees for intervention. These fees are now expressly excluded but in exceptional circumstances cover may be provided by endorsement on case by case basis. As with all aspects of the standard policy cover it is generally possible to negotiate extensions of cover with the underwriter. NLCM Page 6 of 6

7 QBE European Operations Plantation Place 30 Fenchurch Street London EC3M 3BD tel +44 (0) fax +44 (0) QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no ('QIEL'), QBE Underwriting Limited, no ('QUL'), QBE Management Services (UK) Limited, no ('QMSUK') and QBE Underwriting Services (UK) Limited, no ('QSUK'), whose registered offices are at Plantation Place, 30 Fenchurch Street, London, EC3M 3BD. All four companies are incorporated in England and Wales. QIEL and QUL are Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. QUL is a Lloyd's managing agent. QMSUK and QSUK are both Appointed Representatives of QIEL and QUL.

Contractors' Combined Liability Insurance Notice of Change

Contractors' Combined Liability Insurance Notice of Change Contractors' Combined Liability Insurance Contractors' Combined Liability Insurance Significant Policy Cover Changes Your policy has been revised as a response to a need to update and/or clarify cover.

More information

Employers' Liability Insurance Notice of Change

Employers' Liability Insurance Notice of Change Employers' Liability Insurance Employers' Liability Insurance Significant Policy Cover Changes Your policy has been revised as a response to a need to update and/or clarify cover. The undernoted summarizes

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

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

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

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

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

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

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

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

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

QBE Trade Credit Trade Credit Insurance proposal form

QBE Trade Credit Trade Credit Insurance proposal form QBE Trade Credit Trade Credit Insurance proposal form QBE European Operations Please read the following information carefully This document sets out the important information that you, or your insurance

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

QBE European Operations

QBE European Operations QBE European Operations STATEMENT OF FACT Policy Number: QBE22879/Y072953QBE0112A Period of Insurance: From: 21/03/14 To: 27/05/14 both days inclusive Greenwich Mean Time and for such further period or

More information

Waste and Environmental Contractors (including Asbestos) Liability Insurance Schedule

Waste and Environmental Contractors (including Asbestos) Liability Insurance Schedule Waste and Environmental Contractors (including Asbestos) Liability Insurance Schedule Policy Number: Y025187QBE0114A Policy Wording Reference: PWST080811 Period of Insurance: From: 21 November 2014 To:

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: Y080684QBE0114A/085 Policy Wording Reference: PACC010912 Period of Insurance: From: 01/09/2014 To: 31/08/2015 both days inclusive

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

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

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

QBE Trade Credit Claim form

QBE Trade Credit Claim form QBE Trade Credit Claim form QBE European Operations Section 1: Policy details Name of Insured Policy Number Section 2: Buyer s details Full name National ID Address Town Postcode Country Buyer s industry

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

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

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

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

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY

SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY SOLICITORS EXCESS PROFESSIONAL INDEMNITY INSURANCE POLICY DECLARATIONS Policy Number: Chubb Insurance Company of Europe SE (herein called the Company ) Item 1. Policyholder: Address Item 2. Limit of Liability:

More information

Professional indemnity Summary of cover

Professional indemnity Summary of cover Professional indemnity Summary of cover Architects & Engineers October 2014 Why choose AXA s Architects & Engineers Professional indemnity insurance? AXA s Architects & Engineers Professional indemnity

More information

PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary

PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS Policy Summary 2 Professional Indemnity for Architects and Consulting Engineers Policy Summary PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING

More information

Motor Legal Protection Policy Summary

Motor Legal Protection Policy Summary Motor Legal Protection Policy Summary This summary is designed to provide an overview of Motor Legal Protection. The full terms and conditions of this insurance contract can be found in the policy booklet.

More information

Cyber and Data Security. Proposal form

Cyber and Data Security. Proposal form Cyber and Data Security Proposal form This proposal form must be completed and signed by a principal, director or a partner of the proposed insured. Cover and Quotation requirements Please indicate which

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 Products Liability Amendments for Manufacturing

Public and Products Liability Amendments for Manufacturing These Amendments are only operative if the Public Liability or Public and Products Liability Section is shown as operative in the Schedule. Subject to all of the terms, definitions, exclusions, provisions

More information

Basis Clauses. A practical guide to basis clauses in insurance contracts Guide 2013

Basis Clauses. A practical guide to basis clauses in insurance contracts Guide 2013 Basis Clauses A practical guide to basis clauses in insurance contracts Guide 2013 Contents Contents... 3 1. Executive Summary... 4 2. Introduction to basis clauses... 5 3. Identifying basis clauses proposal

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

Public Liability Insurance for Start Ups. Policy Details (including Policy Summary pages 1-2)

Public Liability Insurance for Start Ups. Policy Details (including Policy Summary pages 1-2) Public Liability Insurance for Start Ups Policy Details (including Policy Summary pages 1-2) Policy Summary This is a Policy Summary only and does not contain full terms and conditions of the contract

More information

MOTOR FLEET PROPOSAL FORM

MOTOR FLEET PROPOSAL FORM MOTOR FLEET PROPOSAL FORM One Coval Wells Chelmsford Essex CM1 1WZ Tel: 01245 272700 Fax: 01245 272701 QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no. 01761561 ( QIEL ),

More information

Professional indemnity Summary of cover

Professional indemnity Summary of cover Professional indemnity Summary of cover Accountants October 2014 Why choose AXA s Accountants Professional indemnity insurance? AXA s Accountants Professional indemnity insurance is available to UK-domiciled

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

QBE European Operations Professional liability

QBE European Operations Professional liability QBE European Operations Professional liability Disclosure of insurance details revisited QBE Professional Liability Disclosure of insurance details revisited/november 2013 1 Disclosure of insurance details

More information

UK MOTOR EXAMPLE BESPOKE CLAIMS PROCEDURE

UK MOTOR EXAMPLE BESPOKE CLAIMS PROCEDURE UK MOTOR [POLICYHOLDER]: [POLICY NUMBER]: EXAMPLE BESPOKE CLAIMS PROCEDURE IN ASSOCIATION WITH [BROKER DETAILS] 2008 QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no. 01761561

More information

Technical claims brief

Technical claims brief QBE European Operations Technical claims brief Monthly update June 2015 Technical claims brief Monthly update June 2015 Contents FCA sets out their findings after looking at delegated authority arrangements

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

LIABILITY KEY FACTS BUSINESS LIABILITY COVER

LIABILITY KEY FACTS BUSINESS LIABILITY COVER LIABILITY KEY FACTS BUSINESS LIABILITY COVER Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. NIG Liability Insurance Policy The Liability

More information

2016 Summary of Cover for Combined Liability Insurance

2016 Summary of Cover for Combined Liability Insurance 2016 Summary of Cover for Combined Liability Insurance Insured: Any Member of the Countryside Alliance or Countryside Alliance Ireland whilst participating in a Recognised Activity Cover will apply from

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

PROFESSIONAL INDEMNITY INSURANCE FOR PROPERTY PROFESSIONALS. Policy Summary

PROFESSIONAL INDEMNITY INSURANCE FOR PROPERTY PROFESSIONALS. Policy Summary PROFESSIONAL INDEMNITY INSURANCE FOR PROPERTY PROFESSIONALS Policy Summary 2 Professional Indemnity Insurance for Property Professionals Policy Summary PROFESSIONAL INDEMNITY INSURANCE FOR PROPERTY PROFESSIONALS

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

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

LIABILITY KEY FACTS BUSINESS LIABILITY COVER

LIABILITY KEY FACTS BUSINESS LIABILITY COVER LIABILITY KEY FACTS BUSINESS LIABILITY COVER Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. NIG Liability Insurance Policy The Liability

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

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

Business Combined Insurance. Summary of cover

Business Combined Insurance. Summary of cover Business Combined Insurance Summary of cover Property damage section Insurance cover to protect buildings, contents, stock and other items against damage caused by an insured peril Wording options Basis

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

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

FIFA Professional Indemnity Insurance Proposal Form

FIFA Professional Indemnity Insurance Proposal Form FIFA Professional Indemnity Insurance Proposal Form Important Notice 1. This is a proposal for a contract of insurance, in which 'proposer' or 'you/your' means the individual, company, partnership, limited

More information

Dance Teachers Insurance

Dance Teachers Insurance Dance Teachers Insurance Policy information and proposal form Royal Academy of Dance Insurance scheme available to members and authorised personnel based in the UK Policy information As a member or authorised

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

Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select

Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select Allianz Insurance plc Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents

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

Property Owners Insurance Policy Summary

Property Owners Insurance Policy Summary Property Owners Insurance Policy Summary Underwritten by QBE Insurance (Europe) Limited (QBE) This Property Owners Insurance Policy is an annual insurance contract unless stated otherwise in the quotation

More information

Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover

Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms

More information

Contractors' Combined Liability Insurance Policy

Contractors' Combined Liability Insurance Policy Contractors' Combined Liability Insurance Policy Contents 1 Our agreement in general... 3 2 Insured section - Employers liability... 4 3 Insured section - Public liability... 9 4 Insured section - Products

More information

Directors and Officers Liability and Company Reimbursement Insurance Proposal Form

Directors and Officers Liability and Company Reimbursement Insurance Proposal Form Directors and Officers Liability and Company Reimbursement Insurance Proposal Form Important Notice 1. This is a proposal for a contract of insurance, in which 'proposer' or 'you/your' means the individual,

More information

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy This insurance has been arranged and is administered by Carpenters Solicitors. It is underwritten by Inter Partner Assistance S.A, and managed on their behalf by

More information

Residents Associations Directors & Officers Liability Select. Policy Overview

Residents Associations Directors & Officers Liability Select. Policy Overview Allianz Insurance plc Residents Associations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents Introduction 1 Significant Features

More information

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court.

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court. Terms of business agreement - commercial customers M & N Insurance Service Limited Authorised and regulated by the Financial Conduct Authority No: 305837. Registered Office: 248 Hendon Way London NW4 3NL

More information

SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover

SISS TRADES & PROFESSIONS LIABILITY INSURANCE Summary of Cover 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

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

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

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

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

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

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

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

Professional Indemnity Select

Professional Indemnity Select Allianz Insurance plc Professional Indemnity Select Cover Overview Professional Indemnity Select Cover Overview Contents Thank you for choosing Allianz Insurance plc. We are one of the largest general

More information

Professional Indemnity Select

Professional Indemnity Select Allianz Insurance plc Professional Indemnity Select Policy Overview Policy Overview Professional Indemnity Select Contents Thank you for choosing Allianz Insurance plc. We are one of the largest general

More information

LiabiLity insurance. Policy Summary

LiabiLity insurance. Policy Summary LiabiLity insurance Policy Summary 2 Liability Insurance Policy Summary LiabiLity insurance Policy Summary this is an annually renewable Liability insurance underwritten by Royal & Sun alliance insurance

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule.

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

Motor Trade Road Risks. Proposal Form

Motor Trade Road Risks. Proposal Form Motor Trade Road Risks Proposal Form PLEASE ANSWER ALL QUESTIONS FULLY IN BLOCK CAPITALS If there is insufficient space for any answers please continue on the back page 1. PROPOSER Mr Mrs Miss Ms Surname

More information

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy 1 2 This Octagon insurance policy is underwritten by Inter Partner Assistance SA and administered on their behalf by Arc Legal Assistance Limited. The following

More information

COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary

COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary COMMERCIAL CRIME PROTECTION INsuRANCE Policy Summary 2 Crime Insurance Policy Summary CRIME INsuRANCE Policy Summary This policy is an annually renewable Commercial Crime Protection insurance underwritten

More information

CGU PROFESSIONAL RISKS

CGU PROFESSIONAL RISKS CGU PROFESSIONAL RISKS BUSINESS PROTECTION MANAGEMENT LIABILITY INSURANCE Summary of significant changes Business Insurance Policy (CGU BPML 11-15) Replacing Lumley Policy Policy General Definitions Authority

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

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information Motor Fleet Policy Summary Motor Fleet insurance is for companies, sole traders or partnerships operating a fleet of 3 to 25 vehicles comprising of cars and commercial vehicles used for the business of

More information

Summary of Professional and Public Liability Insurance for Prospect Members in Communication, Media and Digital Sectors

Summary of Professional and Public Liability Insurance for Prospect Members in Communication, Media and Digital Sectors Summary of Professional and Public Liability Insurance for Prospect Members in Communication, Media and Digital Sectors 31st January, 2014 Contents Page Introduction 3 Part 1 Professional Indemnity Insurance

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

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

QBE European Operations Miscellaneous Professional Indemnity Insurance

QBE European Operations Miscellaneous Professional Indemnity Insurance QBE European Operations Miscellaneous Professional Indemnity Insurance Policy Wording In consideration of the payment of premium specified in the Schedule the Insurer hereby agrees to insure against loss

More information

Complete Professional Indemnity

Complete Professional Indemnity Allianz Insurance plc Complete Professional Indemnity Policy Details (including Policy Summary pages 1 4) Architects Policy Summary This is a Policy Summary only and does not contain full terms and conditions

More information

Before the Event Legal Expenses Insurance Policy Summary

Before the Event Legal Expenses Insurance Policy Summary Before the Event Legal Expenses Insurance Policy Summary PROVIDED BY AMTRUST EUROPE LIMITED This is a summary of the main features of the Before the Event Legal Expenses Insurance Policy arranged by AmTrust

More information

Motor Legal Protection Insurance

Motor Legal Protection Insurance Hyundai Insurance Motor Legal Protection Insurance Policy Document Claims Line Legal Helpline 0844 836 7381 (24 hours) 0843 658 5381 (24 hours) www.hyundaimotorinsurance.co.uk Motor Legal Protection Insurance

More information

Website Disclaimer http://www.website-law.co.uk/ourdocumentlicence.html. Disclaimer 1

Website Disclaimer http://www.website-law.co.uk/ourdocumentlicence.html. Disclaimer 1 Website Disclaimer http://www.website-law.co.uk/ourdocumentlicence.html (1) Introduction Disclaimer 1 This disclaimer governs your use of our website; by using our website, you accept this disclaimer in

More information

Media Liability Insurance

Media Liability Insurance Media Liability Insurance Media Liability Insurance A highly responsive solution to a fast moving media world. By its very nature, the media industry is fast moving, dynamic and constantly evolving. Development

More information

Public and Products Liability Insurance Policy

Public and Products Liability Insurance Policy Public and Products Liability Insurance Policy Contents 1 Our agreement in general... 3 2 Insured section - Public liability... 4 3 Insured section - Products liability... 6 4 Insured section - Pollution

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

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

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

Non-Negligence Liability Insurance (UK) Policy

Non-Negligence Liability Insurance (UK) Policy Non-Negligence Liability Insurance (UK) Policy Contents 1 Our agreement in general... 3 2 Insured section - Non-negligence liability... 5 3 Duties in the event of a claim or potential claim... 7 4 General

More information

INSURANCE POLICY Professional Indemnity Design and Construct

INSURANCE POLICY Professional Indemnity Design and Construct INSURANCE POLICY Professional Indemnity Design and Construct Please read this document carefully. Should you have any questions, please contact your insurance agent. Policy Information This Policy has

More information

CANOPIUS UNDERWRITING LTD PROFESSIONAL INDEMNITY INSURANCE POLICY FOR DESIGN AND CONSTRUCTION

CANOPIUS UNDERWRITING LTD PROFESSIONAL INDEMNITY INSURANCE POLICY FOR DESIGN AND CONSTRUCTION CANOPIUS UNDERWRITING LTD PROFESSIONAL INDEMNITY INSURANCE POLICY FOR DESIGN AND CONSTRUCTION Various words and phrases have a standard meaning within this policy of insurance and such meanings are defined

More information