1 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3
2 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover CHARITY INSURANCE This isurace policy is desiged to meet the eeds of charities or ot-for-profit orgaisatios operatig withi the Republic of Irelad. You ca choose the isurace cover you eed from a wide rage of sectios. You ca select all 11 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 shall be govered by ad costrued i accordace with the law of the Republic of Irelad. Ecclesiastical Isurace Office plc is authorised by the Prudetial Regulatory Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority i the Uited Kigdom, ad is regulated by the Cetral Bak of Irelad for Coduct of Busiess rules. The stadard duratio of this cotract is 12 moths from the start date o your policy schedule.
3 CHARITY INSURANCE SUMMARY OF COVER 3 Geeral exclusios Geeral exclusios iclude war, terrorism, computer virus ad wear ad tear. Liabilities Features ad beefits Employers liability cover agaist legal liability for ijury to employees, 13,000,000 iclusive of all legal costs ad expeses. Public & products liability cover agaist legal liability for ijury to others or damage to their property. You ca select either 6,500,000 or 10,000,000 limit of idemity. Legal costs ad expeses payable i additio. Extesios iclude: Legal costs ad expeses, up to 600,000 ay oe claim, for defedig prosecutios uder the Safety Health ad Welfare at Work Act 2005, the Sale of Goods ad Supply of Services Act 1980, Liability for Defective Products Act 1991 ad the Food Safety Authority of Irelad Act Overseas persoal liability Whe you are overseas o busiess this covers your persoal liability for up to 5,000,000. Charity trustee isurace up to 125,000 ( 50,000 for documets) ay oe claim / ay oe period of isurace, iclusive of all legal costs ad expeses. Note: a separate Charity trustee isurace sectio is available if higher limits are eeded or you require cover for mismaagemet i the provisio of services such as cousellig or debt advice. 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. Charity trustee isurace extesio excludes liability arisig from employmet disputes.
4 4 SUMMARY OF COVER CHARITY INSURANCE Charity trustee isurace Note: oly available if Liabilities selected. Features ad beefits Cover for claims agaist your trustees, officers, employees or voluteers for mistakes i the maagemet ad admiistratio of your affairs. Cover for damage or loss of documets. Additioal cover is available for claims arisig from errors i the performace of services such as cousellig or debt advice. Limits: You ca choose the overall limit of idemity up to 1,000,000 ay oe period of isurace. The followig ier limits apply: 120,000 ay oe period of isurace for evirometal defece costs. 60,000 ay oe period of isurace for loss of documets. Sigificat or uusual exclusios or limitatios Ay claim relatig to a employmet dispute. Ay claim resultig from you actig as trustee or admiistrator of ay pesio or retiremet fud or scheme. Claims arisig from your day to day operatios (these are dealt with by Public liability cover).
5 CHARITY INSURANCE SUMMARY OF COVER 5 Legal expeses Note: oly available if Liabilities is selected. The legal expeses cover is provided by DAS Legal Expeses Isurace Compay Limited (DAS) Features ad beefits A limit of 150,000 to protect your legal positio o a rage of employmet or busiess disputes. Higher limits are available upo request. Wide employmet practices liability cover meas that we will defed employers at employmet tribuals uless there is o possibility of defedig the policyholder s positio. For other civil claims it must be more likely tha ot that the isured perso will recover damages or make a successful defece of their claim. Compesatio awards where we agree to cover your claim uder employmet disputes, we will also pay ay compesatio award up to 1,500,000 for all claims i ay oe period of isurace. Higher award limits apply whe you select a icreased limit of idemity. Statutory licece protectio we will represet you i appealig to the relevat authority followig loss of your licece. Value added service: All provided by DAS: Commercial legal advice helplie. Cousellig helplie for your employees ad their immediate family who live with them. Employmet maual offerig olie guidace o employmet law. 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. Compesatio awards cover will be subject to you bearig 10% of the cost of compesatio claims subject to a miimum of 1,500. Statutory licece cover, excludig licece appeals relatig to motor vehicles.
6 6 SUMMARY OF COVER CHARITY INSURANCE Property damage (buildigs ad cotets) Features ad beefits You choose the sum 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, theft, storm, flood ad malicious damage. Optios for accidetal damage, subsidece ad theft. Iflatio protectio you choose either idex-likig or a automatic uplift to sums isured. Extesios iclude: Public Authorities 15% of buildigs sum isured to cover cost of complyig with legislatio followig a fire or other isured evet. Up to 6,000 all risks cover, ay oe period of isurace, for uspecified property aywhere i the Republic of Irelad. Raffle prizes ad doated goods covered up to 2,250 ay oe period of isurace whilst at the home of trustees employees or authorised voluteers. Sigificat or uusual exclusios or limitatios Stadard excess 250 ( 1,300 for subsidece). 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. Settlig claims We'll work swiftly, ad deal with your claim fairly. Whe appropriate, we may appoit a cotractor to carry out the ecessary repairs
7 CHARITY INSURANCE SUMMARY OF COVER 7 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 whilst i your custody aywhere i the EU, up to 300,000 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. Aythig maufactured by you for sale. The excess uder this sectio will be the same as the excess that applies uder the Property damage sectio.
8 8 SUMMARY OF COVER CHARITY INSURANCE Busiess iterruptio Note: oly available if Property damage selected. Features ad beefits Covers your loss of reveue followig a evet isured uder the Property damage sectio. Also pays for the extra costs to keep your orgaisatio ruig ad miimise your 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 reveue 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 375,000 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. Death of patro Pays up to 30,000 ay oe period of isurace if you are affected by the death or immoral act of your patro. Other veues Pays up to 15,000 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.
9 CHARITY INSURANCE SUMMARY OF COVER 9 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 No-egotiable moey such as crossed cheques, moey - 375,000 orders ad vouchers. Cash i trasit i a bak ight safe or o the premises - 3,000 stadard. This ca be icreased durig busiess hours. to cover your maximum requiremets. Cash i a locked safe at the premises outside of busiess - 3,000 stadard. This ca be icreased hours. to cover your maximum requiremets. Ay other circumstaces Losses due to dishoesty of employees as log as the loss is discovered withi 28 days of its occurrece, 3,000 per employee ad 7,500 i total ay oe period of isurace. Fraudulet use of credit ad debit cards covers ay cards used i coectio with your busiess, 1,500 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, parters or employees. 1,500 for all claims i ay oe period of isurace. Assault extesio: This is a optio that gives you cover if you or your employees or voluteers are attacked whilst carryig your moey. You ca choose the amout of cover required, from oe uit which gives a capital beefit of 4,000, to 10 uits which give a capital beefit of 40,000. Irrespective of the umber of uits the followig beefits are also provided Emergecy detal treatmet 750. Hospital beefit 30 a day up to a total of 300. Sigificat or uusual exclusios or limitatios Cash over 4,000 uless accompaied by at least two persos whilst i trasit, for cash over 6,000 we require three persos. A professioal security firm is required if over 12,000. Due to clerical or accoutig errors, depreciatio i value, uexplaied shortage, dishooured cheques or to the use of couterfeit moey. If a limit higher tha 3,000 is requested for cash i a locked safe (at the premises outside of busiess hours) cover is subject to the cash limit of the safe beig adequate. Assault extesio: - Temporary disablemet beefits after 104 weeks. - Persos uder the age of 16 or over the age of 70 years. cotiued over page
10 10 SUMMARY OF COVER CHARITY INSURANCE Moey - cotiued Sigificat or uusual exclusios or limitatios Fraudulet use of credit cards where the issuer s terms have ot bee complied with, or losses arisig from fraudulet use by the policyholder, the directors, trustees, voluteers or parters. Idetity theft costs must be agreed by us i advace. Fidelity Note: oly available if Moey sectio selected. Features ad beefits Covers losses caused by a act of fraud or dishoesty by a employee or voluteer. Icludig auditors fees which you icur to substatiate the loss. Sigificat or uusual exclusios or limitatios 7,500 ay oe period of isurace for employees, 1,000 ay oe period of isurace for voluteers. This limit 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. 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 or road hauliers, set by parcel post or rail. Trasits ca be aywhere i the Republic of Irelad ad the Uited Kigdom. Sigificat or uusual exclusios or limitatios The most we will pay ay oe vehicle or cosigmet is 3,750. 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.
11 CHARITY INSURANCE SUMMARY OF COVER 11 Persoal accidet Features ad beefits You ca isure yourself, your employees ad 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 4,000 to 10 uits which give a capital beefit of 40,000. 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 documet. Loss of licece Note: oly available if Property damage selected. Features ad beefits Covers the depreciatio of your fiacial iterest i the premises followig cacellatio of the premises licece that allows you to ru the busiess. See the legal expeses sectio 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. Stadard limit of 100,000 ay oe period of isurace.
12 12 SUMMARY OF COVER CHARITY INSURANCE Geeral iformatio Cacellig the policy We have the right to cacel the policy by givig you 7 days otice i writig set by recorded delivery to your last kow address. If we cacel the policy we will refud the part of your premium which covers the cacelled period. What if I eed to make a claim? For all claims other tha legal expeses claims If you eed to report a claim durig office hours (Moday to Friday 9am 5pm) you ca call us o To report a ew claim outside of busiess hours call hour helplie For legal expeses claims Claim as soo as possible ad withi six moths of the isured icidet happeig. You ca write to: The Fiacial Services Compesatio Scheme (FSCS) This scheme was set up uder the terms of the Uited Kigdom Fiacial Services ad Markets Act This scheme exteds to iclude policies issued by the Republic of Irelad braches of Uited Kigdom Isurers. You may be etitled to compesatio should we be uable to fulfil our obligatios. For further iformatio you ca cotact the FSCS o: Tel: +44 (0) or visit their website: What if I eed to complai? 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 Services Ombudsma. The complaits procedure does ot affect your right to take legal proceedigs. DAS Irelad 12 Duke Lae Dubli 2 Alteratively you ca phoe DAS o
13 CHARITY INSURANCE SUMMARY OF COVER 13 Notes
14 14 SUMMARY OF COVER CHARITY INSURANCE Notes
16 For further iformatio o ay of our products or services, please speak to your broker. Or visit us at 1st Floor, Kilmore House, Specer Dock, North Wall Quay, Dubli 1 Ecclesiastical Isurace Office plc (EIO) Reg. No Registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. Registered Brach i Dubli, Irelad. Reg No st Floor Kilmore House, North Wall Quay, Specer Dock, Dubli 1. Ecclesiastical Isurace Office plc is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority i the Uited Kigdom, ad is regulated by the Cetral Bak of Irelad for Coduct of Busiess rules. Ecclesiastical Isurace Office plc /3/0614