procedure does not affect your right to take legal proceedings.

Transcription

1 summary of cover CHARITY INSURANCE This isurace policy is desiged to meet the eeds of legally recogised charities or ot-for-profit orgaisatios operatig withi the Uited Kigdom. You ca choose the isurace cover you eed from a wide rage of sectios. You ca select all 10 of the sectios available for truly comprehesive cover. If you are a smaller orgaisatio with o cetral place of admiistratio you ca opt for the Liabilities ad Legal expeses sectios oly. The policy is uderwritte by Ecclesiastical Isurace Office plc. This policy summary does ot cotai full details ad coditios of the isurace these are located i the policy documet. We will sed the policy documet to you after you have take out the isurace, but it is available beforehad from us or your advisor, o request. The policy documet cotais full details of our complaits procedure should you have a complait agaist Ecclesiastical Isurace Office plc. If you're ot satisfied with our respose, you may have the right to take your complait to the Fiacial Ombudsma Service. This complaits procedure does ot affect your right to take legal proceedigs. The policy shall be govered by ad costrued i accordace with the law of Eglad ad Wales uless the Isured s cetral admiistratio ad/or place of establishmet is located i Scotlad i which case the law of Scotlad shall apply. Our FCA register umber is Our permitted busiess is geeral isurace. You ca check this o the FCA s register by visitig the FCA s website or by cotactig the FCA o Olie V3

2 2 SUMMARY OF COVER CHARITY INSURANCE Geeral exclusios Geeral exclusios iclude war, terrorism (some cover provided uder some sectios as stated) computer virus, wear ad tear ad damage caused by cleaig. Liabilities Features ad beefits Employers liability cover agaist legal liability for ijury to employees (icludig authorised voluteers), 10,000,000 iclusive of all legal costs ad expeses ( 5,000,000 if terrorism related). Public & products liability cover agaist ijury to others or damage to their property. You ca select betwee 2,000,000 or 5,000,000 limit of idemity. Legal costs ad expeses payable i additio. We iclude fud raisig activities uder your cotrol aywhere i the UK withi the defiitio of busiess. Charity trustee idemity up to 100,000 ( 50,000 for documets) ay oe period of isurace, iclusive of all legal costs ad expeses. Choose the separate Charity trustee sectio if you require cover above this limit. Extesios iclude: Legal costs ad expeses for defedig prosecutios uder the Health ad Safety at Work Act, Cosumer Protectio Act or Food Safety Act, up to 500,000 ay oe claim. Legal costs ad expeses for defedig prosecutios uder Corporate Maslaughter legislatio up to 1,000,000 for all claims i ay oe period of isurace. Overseas persoal liability Whe you are overseas o busiess this covers your persoal liability for up to 5,000,000. Optio for private hirers idemity up to 2,000,000 for occasioal social evets at your premises. Legal costs ad expeses are payable i additio. Sigificat or uusual exclusios or limitatios Legal costs ad expeses for claims arisig from the USA or Caada are icluded withi the limit of idemity. Private hirers limited to idividuals hirig the premises for o more tha three occasios per year.

3 CHARITY INSURANCE SUMMARY OF COVER 3 Charity trustee idemity Features ad beefits Covers the persoal liability of trustees, officers, employees or volutary workers arisig from errors or omissios they make i the maagemet ad admiistratio of the charity. You choose the limit of idemity you require, up to 500,000 ay oe period of isurace, icludig legal costs ad expeses. Cover is o a claims made basis. This meas it offers protectio for claims which are made agaist you durig the period of cover, or claims which may arise from circumstaces which you become aware of ad report to us durig the period of cover. Loss of Documets cover is provided for your legal liability resultig from the loss or damage of charity-related documets up to 50,000 ay oe period of isurace, icludig legal costs ad expeses.

4 4 SUMMARY OF COVER CHARITY INSURANCE Legal expeses Note: to esure a expert service the cover uder this sectio is arraged by us i cojuctio with DAS Legal Expeses Isurace Compay Limited (DAS). Features ad beefits Stadard limit of 100,000 to protect your legal positio o a rage of employmet or busiess disputes. Wide employmet practices liability cover meas that we will defed employers at employmet tribual ad we will pay compesatio i the evet that compesatio is awarded agaist the policyholder. This is ot cotiget upo the prospects of success. Compesatio awards where we agree to cover your claim uder employmet disputes, we will also pay ay compesatio award up to 1,000,000 for all claims i ay oe period of isurace. Statutory licece protectio we will represet you i appealig to the relevat authority followig loss of your licece or British Stadard Certificate of Registratio. This icludes appeals relatig to your Charity registratio. Value added service: All provided by DAS: Commercial legal advice helplie. Tax advice helplie. Cousellig helplie for your employees ad their immediate family who live with them. Employmet maual ad DAS busiesslaw offerig olie employmet ad busiess law guidace. Sigificat or uusual exclusios or limitatios Civil claims (apart from claims uder employmet disputes ad compesatio awards) where there are o reasoable prospects of success. Costs ad expeses icurred before DAS s writte acceptace of a claim. Claims reported more tha 180 days after you should have kow about the icidet, or more tha 24 hours i relatio to claims uder Statutory licece protectio. Compesatio awards cover will be subject to you bearig 10% of the cost of compesatio claims subject to a miimum of 1,000. Statutory registratio/licece cover, excludig licece appeals relatig to motor vehicles.

5 CHARITY INSURANCE SUMMARY OF COVER 5 Property damage (buildigs ad cotets) Features ad beefits You choose the sums isured for buildigs ad cotets. Uless stated otherwise, this is the most we will pay for a claim. Full rage of isured risks such as fire, storm, flood & malicious damage. Optios for accidetal damage, subsidece, theft ad terrorist damage. Iflatio protectio your sums isured will be idex-liked aually at each reewal. Extesios iclude: Up to 5,000 all risks cover, ay oe period of isurace, for uspecified property aywhere i the UK. Public authorities 15% of buildigs sum isured to cover cost of complyig with legislatio followig a fire or other isured evet. Raffle prizes ad doated goods covered up to 1,500 ay oe period of isurace whilst at the home of trustees employees or authorised voluteers. Sigificat or uusual exclusios or limitatios Stadard excess 150 ( 50 for glass ad persoal belogigs, 1,000 for subsidece). The stadard excess ca be icreased to 250, 500 or 750 i exchage for a 2.5%, 5% or 7.5% discout i premium for this sectio. Ay requiremets of the Public Authorities which are i place before the damage occurred. If the premises become uoccupied, uteated or ot i use, you must tell us. Cover will reduce to fire, lightig, explosio ad aircraft uless we agree otherwise. You must at all times keep the sums isured at a level that represets full value. If you do ot, your claim may be reduced i proportio to the degree of uderisurace. It is a coditio precedet to liability that if there is ay deep fat fryig apparatus at the premises (a) it must be securely fixed ad free from ay cotact with ay combustible materials (b) ay woodwork withi 1 metre of the apparatus must be protected with metal or other icombustible material (c) the extractio ducts ad flues must be kept clea ad free from grease or oily accumulatios (d) it is fitted with a thermostat desiged to prevet the temperature of cookig oils ad fat risig above 205 degrees C (e) at least oe 2 litre capacity fire extiguisher suitable for use o fat or oils ad a approved fire blaket must be kept i the immediate viciity of the apparatus ad must be clearly marked ad accessible at all times.

6 6 SUMMARY OF COVER CHARITY INSURANCE Equipmet breakdow Note: oly available if Property damage selected. Features ad beefits Pays to repair or replace electrical or mechaical equipmet which breaks dow. This icludes lifts, cetral heatig, air coditioig systems ad retail equipmet such as bar code scaers & credit card paymet systems. Breakdow of computers aywhere i the EU, up to 250,000 i ay oe period of isurace. Sigificat or uusual exclusios or limitatios I private dwelligs: kitche ad food preparatio equipmet, laudry ad cleaig equipmet ad audio-visual equipmet. The excess uder this sectio will be the same as the excess that applies uder the Property damage sectio. Excludig aythig maufactured by you for sale.

7 CHARITY INSURANCE SUMMARY OF COVER 7 Busiess iterruptio Note: oly available if Property damage selected. Features ad beefits Covers loss of reveue followig a evet isured uder the Property damage sectio. You choose your loss of reveue sum isured. This icludes additioal costs of workig i order to miimise a loss of reveue. Cover is provided up to a period which ca be 12 moths, 18 moths, 24 moths or 36 moths (the maximum idemity period). Extesios iclude: Loss of icome or additioal expeses followig: Specified disease, food poisoig, defective saitatio accidetally caused, vermi - if they happe at your premises ad restrictios are the placed o the premises by the competet local authority. The specified diseases that we cover are listed i the policy documet. Also covers murder, rape or suicide occurrig at the premises. The stadard limit is 250,000 or 25% of the loss of reveue sum isured, whichever is the less.. Prevetio of access to premises followig damage to eighbourig property which would form a acceptable claim uder this policy provided the restrictio lasts over 4 hours. Death of patro Pays up to 25,000 ay oe icidet if you are affected by the death or immoral act of your patro. Other veues Pays up to 10,000 ay oe icidet if you are affected by damage at premises where you are carryig out a exhibitio or evet. Also provides cover for your property (which is to be used i coectio with the exhibitio or evet) whilst at your premises or whilst i trasit by road, rail or ilad waterway. Sigificat or uusual exclusios or limitatios Uder the Specified disease, murder, food poisoig, defective saitatio ad vermi extesio the maximum idemity period is three moths. Uder the Death of patro extesio the maximum idemity period is three moths.

8 8 SUMMARY OF COVER CHARITY INSURANCE Moey Note: where metioed busiess hours meas ay time whe ayoe with resposibility for moey is i attedace at the premises for the purpose of your busiess. Features ad beefits 250,000 for o-egotiable moey such as crossed cheques, moey orders ad vouchers. 2,000 for cash i trasit i a bak ight safe or o the premises durig busiess hours. 1,000 for cash i a locked safe at the premises outside of busiess hours. 50 i collectio tis. 500 for ay other circumstaces. Losses due to dishoesty of employees as log as the loss is discovered withi 28 days of its occurrece, 2,000 per employee ad 5,000 i total ay oe period of isurace. Fraudulet use of credit ad debit cards covers ay cards used i coectio with your busiess, 1,000 per card ay oe period of isurace. Idetity theft covers ay reasoable ad ecessary expeses you icur if your idetity is used by a third party to obtai credit, agaist your kowledge. We'll cover the idetity of the busiess as well as that of the idividual directors, trustees, authorised voluteers, parters or employees. 1,000 for all claims i ay oe period of isurace. Assault extesio Assault of proprietor or employee due to robbery or hold-up pays 10,000 for death or permaet total disablemet, 100 per week for temporary total disablemet. Hospital beefit 20 a day up to a total of for emergecy detal treatmet. Sigificat or uusual exclusios or limitatios Cash over 3,000 uless accompaied by at least two persos whilst i trasit, for cash over 5,000 we require 3 persos. A professioal security firm is required if over 10,000. Due to clerical or accoutig errors, depreciatio i value, uexplaied shortage, dishooured cheques or to the use of couterfeit moey. Assault extesio: Temporary total disablemet beefits after 104 weeks. Persos uder the age of 16 or over the age of 70 years. Fraudulet use of credit cards where the issuer's terms have ot bee complied with, or losses arisig from fraudulet use by the policyholder ad/or the directors, trustees, authorised voluteers or parters. Idetity theft costs must be agreed by us i advace.

9 CHARITY INSURANCE SUMMARY OF COVER 9 Fidelity Note: oly available if Moey sectio selected. Features ad beefits Covers losses caused by a act of fraud or dishoesty of a employee or authorised voluteer. Icludig auditors fees which you icur to substatiate the loss. Sigificat or uusual exclusios or limitatios 5,000 ay oe period of isurace for employees, 1,000 ay oe period of isurace for authorised voluteers. These limits ca be icreased subject to you complyig with miimum stadards of cotrol i respect of supervisio, accoutig procedures ad checkig the security of moey or goods. Excess Goods i trasit Note: oly available if Property damage selected. Features ad beefits Your stock ca be covered for accidetal damage whilst i trasit by road vehicles operated by you. Trasits ca be aywhere i the Uited Kigdom ad the Republic of Irelad. Sigificat or uusual exclusios or limitatios The most we will pay ay oe vehicle or cosigmet is 2,500. Theft where your employees or voluteers are ivolved. Goods spoiled by the failure of a vehicle s refrigeratio equipmet. Coditios apply i respect of theft from uatteded vehicles. Excess

10 10 SUMMARY OF COVER CHARITY INSURANCE Persoal accidet Features ad beefits You ca isure yourself, your employees ad authorised voluteers agaist accidetal ijuries whilst workig for the busiess. For employees 24-hour cover may also be provided. For you ad your employees you ca choose the amout of cover required, from oe uit which gives a capital beefit of 2,500, to te uits which give a capital beefit of 25,000. If cover is required for authorised voluteers up to two uits ca be give. Sigificat or uusual exclusios or limitatios Certai hazardous sports or activities as detailed i the policy. Loss of licece Note: oly available if Property damage selected. Features ad beefits Covers the depreciatio of your fiacial iterest i the premises, ad your loss of icome, followig cacellatio of the premises licece grated uder the Licesig Act 2003 that allows you to ru the busiess. See the legal expeses sectio for cover for legal costs i appealig whe your licece may be lost. Sigificat or uusual exclusios or limitatios Losses caused by your ow acts or omissio. Limit - 100,000 ay oe period of isurace. For further iformatio o ay of our products, please speak to your isurace broker. Or visit us at Ecclesiastical Isurace Office plc (EIO) Reg. No Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Ecclesiastical Isurace Office plc 2013 POD /11