Business Combined Insurance. Summary of cover

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1 Business Combined Insurance Summary of cover

2 Property damage section Insurance cover to protect buildings, contents, stock and other items against damage caused by an insured peril Wording options Basis of settlement Day one average Theft cover Accidental damage to computers Architects, surveyors, legal and consulting engineers fees cover Capital additions cover Contract price cover Contract works cover (all risks cover only) Debris removal cover Drains clearance cover Environmental protection cover European community and public authorities (including undamaged property) cover Exhibition cover Fire brigade charges cover Fire extinguishment expenses Freezer contents cover All risks Specified perils (new theft peril) Reinstatement Optional Standard under all risks available on request for specified perils The lesser of 10% of the total of buildings & contents sums insured or 100,000 The lesser of 10% of the buildings sums insured or 100,000 any one claim 5,000 Any one claim 10% Of the building sum insured any one claim 10,000 Any one claim Maximum 15 days 10,000 Any one claim 5,000 Any one claim

3 Property damage section Further investigation expenses cover Glass breakage cover Landscaped gardens Locks & keys cover Loss reduction expenses cover Metered water or gas cover Patterns cover Seasonal increase cover Seventy two hour cover Sprinkler upgrade costs cover Theft damage to buildings cover Theft of building fabric cover Trace & access cover Unauthorised use of utilities cover Undamaged stock cover Undamaged tenants improvements cover Underground pipes & services cover Unspecified storage sites cover The lesser of 10% of buildings sum insured or 100,000 any one claim 15,000 any one period of insurance 5,000 any one claim 2,500 any one one period of insurance 25,000 any one period of insurance 2,500 any one claim 10% of the building sum insured any one claim where theft cover provided 2,500 any one claim 25,000 any one claim 5,000 any one claim 5,000 any one claim 5,000 any one claim 5,000 any one claim 5,000 any one claim

4 Business interruption section Insurance cover to protect a commercial businesses income following a property damage loss Wording options Declaration Linked Business interruption following accidental damage to computers Contract sites cover All risks Specified perils (new theft peril) Optional 10,000 any one contract site Denial of access cover 100% of the sum insured Essential employees cover Exhibition cover Exhibition expenses cover Failure of selected public supplies cover (non-terminal ends) Fines, penalties and damages cover Loss of attraction 100,000 any one period of insurance 10,000 any one claim 2,500 any one claim 100% of the sum insured 2,500 any one claim Not included Loss reduction expenses 2,500 any one period of insurance Murder, suicide or disease cover Patterns cover Research & Development costs Theft of building fabric cover Transit cover Unspecified customers cover 100% of the sum insured 10,000 any one claim Not included 100% of the sum insured 10,000 any one claim 100,000 any one claim Unspecified suppliers and storage sites cover 100,000 any one claim

5 Money and personal accident assault section An All risks cover to protect business money Costs incurred in the replacement of locks of any safe or strong room Damage to any carrying devices designed for the safe carriage of money Damage to any stamp franking machine Damage to clothing and personal effects 500 for any one insured person Fraudulent use of credit cards Non negotiable money Limit shown in schedule and with a separate defined term Personal accident assault cover age limit no age limit Reimbursement of counselling costs Up to 500

6 Employers liability section Insurance protection in respect of legal liability for bodily injury to employees Variable cover limits Insuring clause Claim costs Additional business activities cover Compensation for court attendance cover Manslaughter costs cover Overseas employees Safety legislation costs Up to 25,000,000 any one event Causation basis Includes own defence costs and claimants costs Wide cover for activities of the business 500 Per day for each day for any director, partner or employed person Standard limit of indemnity 1,000,000 any one period of insurance - variable Covers overseas employees working for the uk company for claims brought under uk law Standard limit of indemnity 1,000,000 any one period of insurance - variable Terrorist act Limit of indemnity 5,000,000

7 Public and products liability section Insurance protection in respect of legal liability for injury to third parties or for damage to their property Variable cover limits Up to 10,000,000 Insuring clause Insuring clause non-accidental basis Personal injury Extended definition in addition to death, bodily injury, illness or disease Claim costs Own defence costs and claimants costs in addition to limit of indemnity Additional business activities cover Wide cover for activities of the business Compensation for court attendance cover Contingent motor liabilities cover Cross liabilities cover Data protection cover Environmental clean up cover Manslaughter costs cover Property in your care cover Safety legislation costs Terrorist act 500 Per day for each day for any director, partner or employed person and extends to the use of motor vehicle within the european union and incorporates member to member cover Standard limit of indemnity 250,000 any one period of insurance - variable Standard limit of indemnity 100,000 any one period of insurance - variable Standard limit of indemnity 1,000,000 any one period of insurance - variable Cover for Leased or rented premises Property temporarily occupied for carrying out work Visitors or employees property Standard limit of indemnity 1,000,000 any one period of insurance - variable Standard limit of indemnity 2,000,000 any one period of insurance - variable

8 Public and products liability section Legionellosis subject to precautions condition Design, advice etc unless for a fee Sub-contractors subject to insurance check condition Hot works subject to precautions condition

9 Selected all risks section An All risks cover to protect specific items in the United Kingdom and optionally elsewhere Cover available at own premises Cover available for anywhere in the United Kingdom Cover available for anywhere in the European Union On request On request On request Cover available worldwide On request

10 Goods in transit section Insurance to protect property whilst in transit either in own vehicles or being carried by a third party Additional expenses cover Demonstration or approval cover Electronic equipment cover Incoming goods cover Limit 10,000 any one claim Up to consignment limit Limit 500 any one claim if responsibility to insure Packers premises cover Up to consignment limit Personal effects cover Ropes and sheets cover Travellers samples cover Exports cover (FOB) Limit 500 any one claim Limit 500 any one claim Up to consignment limit 30 days cover for temporary storage

11 Theft by employee section Insurance protection against loss of money or property or property due to employee dishonesty or acts of fraud Discovery period Previous insurance interlocking clause Reinstatement of electronic data cover Minimum standards of control 24 months Specified within the wording

12 Commercial legal expenses section Insurance against exposure to professional legal expenses in connection with a variety of events with the provision of legal advice Contract disputes Employment disputes Criminal prosecution Property disputes Data protection Tax protection and VAT disputes Statutory licence Jury service allowance cover 100 per day, maximum 1000

13 Financial loss liability section Insurance protection against legal liability for third party financial loss arising out of a defect in or the unsuitability of products or services Variable cover limits Up to 2,000,000 Insuring clause Claims made including notification of circumstances Contractual liability Includes cover under implied terms of contract - not restricted to tort

14 CLBC0001Z-A Business Combined version

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