Comprehensive Liability / Expertly Crafted

Transcription

1 Liabilities THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY EMPLOYERS LIABILITY PUBLIC LIABILITY AND A WIDE RANGE OF SUPPORT SERVICES Comprehensive Liability / Expertly Crafted

2 Accel Elite Employers Liability Wide policy cover Rehabilitation Human Focus Health and Safety Pre and post loss services Employment related accident benefits Crisis Containment See Product Profile at the end of this brochure for details Medical and vocational rehabilitation for workplace injuries regardless of fault Online health and safety training accredited by the Royal Society for the Prevention of Accidents A range of services to help businesses protect themselves and their employees Additional no fault payments following a range of workplace injuries Cover for 100,000 PR costs to help communicate effectively in a crisis (see footnote for conditions) KEY EXCLUSIONS: Crisis containment subject to 20% policyholder coinsurance Public and Products Liability Wide policy cover Inclusive Product Recall Crisis Containment Environmental Insurance Product safety training modules See Product Profile at the end of this brochure for details 50,000 product recall cover included in products liability section (exclusions apply see footnote) Cover for 100,000 PR costs to help communicate effectively in a crisis (see footnote for conditions) 1m extended cover for clean-up costs of sudden and accidental pollution included in addition to public liability (exclusions apply see footnote). Human Focus online training across a range of key product related areas KEY EXCLUSIONS: Environmental insurance does not cover gradual pollution. Certain trades excluded e.g. fuel stations, chemical, waste disposal, mining and construction activities. Product Recall available for Liability premiums over 5,000 and annual turnover below 250m. Certain trades excluded e.g. pharmaceuticals, chemical and transportation manufacturers. 2

3 Wide policy cover includes Legal costs in addition Legal costs and expenses in respect of employee health, safety and welfare statutes limited to 5m in addition to the policy limit TUPE as standard Contractual liabilities No radioactive contamination restriction Wide definition of employee Plus a set of value added services Accel Elite Employers Liability 3

4 Rehabilitation Accel Elite employers liability includes medical and vocational rehabilitation for employee workplace injuries regardless of fault. Our professional Case Managers (all with a range of professional health qualifications) review all reported employee injuries. They can coordinate medical services, liaising with doctors and insurer, keeping the patient fully informed. This may include private consultations, specialist treatments or complimentary therapies. If satisfied with the NHS treatment, they ll carefully monitor the patient s treatment and recovery under the NHS. On recovery, people may face difficulties getting back into the workplace. Working alongside the Case Managers, our vocational consultants work closely with employers and patients to: Help injured people return to work in suitable positions at the right time Suggest necessary modifications to duties, equipment and retraining Rehabilitation can help injured people get the right medical treatment and accelerate their recovery and return to work. By doing this rehabilitation can also minimise disruption after an accident for employers, and reduce the employers costs of sickness absence. For more information about how rehabilitation can do this, see the downloads and case studies on the Accel Elite page (in the liabilities section of Helping injured people get the right medical treatment, accelerating their recovery and return to work 4

5 Online Health and Safety Training Another feature of our Accel Elite employers liability is access to a Human Focus web based compliance training system, designed to develop and strengthen the health and safety of the company. Well trained staff help to ensure a healthy and safe work place and avoid risks of legal action, fines or even imprisonment for the company directors. Online staff Health and Safety Training* Delivered wherever and whenever it suits the business *Approved by the Royal Society for the Prevention of Accidents Extensive library of modular topics include stress, managing contractors, manual handling, and work at height. Also available are some industry specific modules Accredited by the Royal Society for the Prevention of Accidents (RoSPA) Complementary web based training saves time and money, as employees can be trained individually at a time and place that suits the business Helps to equip front line staff with essential training for their jobs and managers to conduct risk assessments and implement risk improvements Data from interactive training session can be retrieved and stored, providing a full audit trail for training By identifying the additional training needs of particular employees, the system helps the company to demonstrate a high standard of compliance to customers, contractors and regulators. For more about how online health and safety training can help employers and employees see the Accel Elite page (in the liabilities section of Examples of Training Modules General Health & Safety Food Safety Manual Handling Work at Height Hazardous Substances Stress Slips Trips and Falls Managing Contractors Display Screen Work 5

6 Pre and Post Loss Services Accel Elite Employers Liability policyholders are also entitled to a range of pre and post loss services to help businesses protect themselves and their employees including professional health and safety advice to help prevent accidents. But if accidents do occur they can be reported immediately 24 hours a day, 365 days a year via our telephone and online Reportline which also generates electronic confirmation for businesses own compliance. And for major incidents our Serious Accident Response Service can set up an onsite unit anywhere in the UK at short notice to help policyholders liaise with the police, local authorities and the HSE. We ll help manage post accident procedures, and we ll arrange a thorough investigation of liabilities to ensure the best possible response to regulators. 24/7 reporting for all accidents and for serious incidents: tel: a team of claims experts onsite at clients premises 6

7 Employment Related Accident Benefits Accel Elite also includes employment related accident benefits for several categories of workplace injuries to employees. These are no fault payments which aren t dependant on liability, so they can be made quickly. The payments are made to the employers to use at their discretion such as passing on to the injured employee as a benefit, or hiring additional staff. These payments which can be made soon after an accident is reported also encourage employees and employers to tell us quickly about workplace incidents and the earlier our case managers can get involved after an accident the better in terms of making sure injured employees get the most appropriate treatment and get back to work sooner. Embedded Personal Accident Benefits Cover* 10,000 Death 10,000 Permanent Total Disability 10,000 Permanent loss of sight or hearing 10,000 Permanent loss of limb 5,000 Loss of one eye, hand, foot, speech 2,000 27% full thickness burns 1,000 Loss of toes or fingers 500 8% full thickness burns 150 Loss of toe or finger 100 Leg or ankle fractures 50 Arm or wrist fractures Specified no fault payments for various workplace injuries * SUMMARY ONLY, SEE POLICY FOR FULL DETAILS 7

8 Wide policy cover includes: Public and Products Liability 5m legal costs in addition to policy limit for certain statutes (e.g. Corporate Manslaughter & Corporate Homicide Act) Legionella Advertising liability Blanket vendors liability Member to member liability Advice design service & specification cover for injury or damage Libel, slander, defamation (claims made basis) Wide definition of injury Products unknowingly sold to USA Can provide asbestos cover (accidental discovery) Plus a set of value added services 8

9 Inclusive Product Recall We include 50,000 of product recall cover for some of the essential short term costs that businesses can face in a product recall situation. Cover is triggered by discovery of a dangerous product defect, a government recall or a malicious product tampering incident. 50,000 product recall cover included automatically Cover includes: Product recall notices Transport and storage costs Costs disposing of product Costs of replacing product Recall consultancy fees Liabilities to third parties (e.g. retailers costs to recall the product). Businesses can purchase higher product recall limits if they wish, particularly as the EU s general product safety regulations puts greater responsibility on businesses if one of their products is potentially dangerous. Inclusive Product Recall is for cases where the Public and Products liability premium exceeds 5,000 and annual turnover is less than 250m. It is not available for some trades such as some high hazard trades e.g. chemical manufacturers, pharmaceuticals, transportation manufacturers, and manufacturers of veterinary products. Ask any of our Casualty teams for more information. 9

10 Crisis Containment Comprehensive Liability includes cover for up to 100,000 of professional PR consultancy services to help businesses communicate clearly and professionally in a crisis. The most sensitive time is right at the beginning and the more devastating the event, the more that the media, customers, suppliers, staff or police may want to know and so cover is provided up to 30 days after a crisis event strikes. Crisis Containment cover is triggered by any event covered by Comprehensive Liability that can cause bad publicity or have a financial impact on the business. Professional PR consultancy can help businesses deliver clear, consistent and professional communications at a testing and stressful time, when the business and its staff may be under intense scrutiny. Possible communications support may include: Advice on communication strategies and positioning of messages Specific tactical support, e.g. drafting press releases, messages to customers Preparing managers for interviews with press, or regulators Internal communications to staff Crisis Containment is included automatically in Comprehensive Liability and is subject to 20% policyholder coinsurance. 24 hour international hotlines to notify a crisis: UK: USA/Canada: Rest of world: Note: Crisis Containment is described here as an additional service for Public and Products liability policyholders, which is where the majority of covered incidents may be expected. However injuries to employees may also place the business in crisis and so Crisis Containment is included for all Comprehensive Liability employers liability policyholders as well. 10

11 Environmental Insurance & Product Safety Training Environmental Insurance Our policy includes 1m extended cover for clean-up costs for sudden and accidental pollution incidents. We cover clean up costs for neighbouring properties and in some cases we cover clean up on the insured s own site. Clean up costs include statutory debts imposed by a regulatory body, for example where emergency clean up has been conducted by the Environment Agency. Environmental insurance is included in our public liability section for operational and new pollution conditions only. It is not available for some trades such as fuel stations, chemical, waste disposal, mining and construction activities, ask any of our Casualty teams for more information. 1M CLEAN UP COSTS COVER FOR SUDDEN AND ACCIDENTAL POLLUTION Product safety training modules Just as our employers liability provides online Human Focus health and safety training, so does our public liability provide product safety training across a range of key product areas including: Labelling and Information Managing Product Safety Standards and Legislation Introduction to Product Safety Product Safety Risk Assessment These password protected modules can be viewed from any internet connected PC and access is included automatically for public and products liability policyholders. ONLINE PRODUCT SAFETY TRAINING 11

12 BELFAST Enterprise House 55/59 Adelaide Street Belfast BT2 8FE Tel: Fax: BIRMINGHAM Embassy House 60 Church Street Birmingham B3 2DJ Tel: Fax: CROYDON 2-8 Altyre Road Croydon Surrey CR9 2LG Tel: Fax: GLASGOW 4th Floor 69 Wellington Street Glasgow G2 6HJ Tel: Fax: LEEDS Yorkshire House Greek Street Leeds LS1 5SX Tel: Fax: LONDON 58 Fenchurch Street London EC3M 4AB Tel: Fax: MANCHESTER 4th Floor, 201 Deansgate Manchester M3 3NW Tel: Fax: American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. In Europe, the principal insurance provider is AIG Europe Limited. This material is for information purposes. Not all products and services are available in every jurisdiction, and insurance coverage is governed by the actual terms and conditions of insurance set out in the policy or in the insurance contract. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. For additional information, please visit our website at AIG Europe Limited is registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number ). This information can be checked by visiting the FS Register ( UC CAS NOV14