Master Liability Policy specimen

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Master Liability Policy specimen"

Transcription

1 Master Liability Policy Royal & Sun Alliance Insurance plc (No ). Registered in England & Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

2 Contents This policy incorporates the following which shall be read together as one contract and words and expressions to which specific meaning is given in any part of this policy shall have the same meaning wherever they appear Statement of Intent Introduction Schedule Definitions Advertisement Aircraft Products Asbestos Asbestos Containing Materials Asbestos Dust Bodily Injury Business Data Employee Employment Related Practices Insured Legal Costs Local Policy North America Occurrence Offshore Person Employed Personal and Advertising Injury Property Damage Silica Silica-related Dust Terrorism Vehicle Section 1 Public/Products Liability General Provisions Section 1 Public/Products Liability Exclusions Extensions Compensation for Court Attendance Contingent Motor Liability Cross Liabilities Defective Premises Act Excess and Residual Employers Liability Excess Motor Liability Overseas Personal Liability Unauthorised Movement Vendors Liability Section 2 Personal and Advertising Injury General Provisions Section 2 Personal and Advertising Injury Exclusions Extensions Compensation for Court Attendance Cross Liabilities Conditions 28 January 2014 Page 1 of 29

3 Contents Conditions General Conditions Claims Conditions Customer Service Additional Information Complaints Procedure - Our Commitment To Customer Service 28 January 2014 Page 2 of 29

4 Statement of Intent PLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS This policy (and the Schedule which forms an integral part of the policy) is a legal contract Please examine it thoroughly to ensure it meets your requirements and if it does not please advise your insurance adviser immediately We would remind you that you are required to inform us immediately of any facts or changes which we would take into account in our assessment or acceptance of this insurance and failure to do so may invalidate your policy or result in certain covers not operating fully If you are in doubt as to whether a fact is material or not please contact your insurance adviser 28 January 2014 Page 3 of 29

5 Introduction The Insurers will provide insurance in the terms of this policy Signed for the Insurers Date... ISSUED BY Royal & Sun Alliance Insurance plc Leadenhall Court 1 Leadenhall Street LONDON EC3V 1PP Telephone January 2014 Page 4 of 29

6 Schedule Insured Business Period of Insurance To First Premium Insurance Premium Tax Total First Premium Renewal Premium Insurance Premium Tax or any premium substituted therefor Total Renewal Premium Agency Agency Reference or any subsequent period for which the Insurers accept a premium or any premium substituted therefor 28 January 2014 Page 5 of 29

7 Schedule - Limits of Liability Section 1 Public/Products Liability a) b) c) Limit of Indemnity Limit of Indemnity Limit of Indemnity Section 2 Personal and Advertising Injury Personal and Advertising Injury Limit of Indemnity Any one Occurrence All Occurrences happening during the Period of Insurance arising out of products supplied All incidents considered to have occurred during the Period of Insurance in respect of pollution or contamination of buildings or other structures or of water or land or of the atmosphere Any act committed during the Period of Insurance arising out of Personal and Advertising Injury 28 January 2014 Page 6 of 29

8 Schedule - Deductibles Deductible The Insurer shall not be liable for the Deductible- Section 1 the first amount of each and every Occurrence which the Insured agrees to pay Section 2 the first amount of each and every claim which the Insured agrees to pay Provided that a) any Deductible shall be included within the Policy Limit of Indemnity or any other limit of liability stated in the Policy unless otherwise stated b) in the event that the Insurer pays any part or all of the Deductible under this Policy or any Local Policy to effect settlement of any claim under this Policy or any Local Policy the Primary Insured shall upon request immediately reimburse the Insurer c) the Deductible shall be payable in respect of damages and Legal Costs d) in any one Period of Insurance the total of any amount within the Deductible shall not exceed in total the amount of the Aggregate Deductible stated in the Schedule but no account shall be taken in calculating the Aggregate Deductible of any amount up to the Non-ranking Deductible e) if the Aggregate Deductible amount is reached during the Period of Insurance the Deductible shall be replaced by the Continuing Deductible for the remainder of the Period of Insurance Deductible Aggregate Deductible Non-ranking Deductible Continuing Deductible 28 January 2014 Page 7 of 29

9 Schedule - Local Policies Schedule - Local Policies The Local Policies listed in Schedule A are issued by the Insurer and are policies underlying this Policy Schedule A The Local Policies listed in Schedule B have been accepted by the Insurer as policies underlying this Policy Schedule B 28 January 2014 Page 8 of 29

10 Definitions Advertisement Advertisement shall mean a notice about the Insured's products for the purpose of attracting customers or supporters that is broadcast or published to the general public or specific market segments or material that is placed on the Internet or other electronic means of communication Provided that only that part of a website that is about the Insured's products for the purpose of attracting customers or supporters is an Advertisement Aircraft Products Aircraft Products shall mean aircraft or any aerial device (including missiles or spacecraft) and any other goods or products manufactured sold handled or distributed or services provided or recommended by the Insured or by others trading under their name for use in the manufacture repair operation maintenance or use of any aircraft or aerial device Asbestos Asbestos shall mean crocidolite amosite chrysotile fibrous actinolite fibrous anthophyllite or fibrous tremolite or any mixture containing any of those minerals Asbestos Containing Materials Asbestos Containing Materials shall mean any material containing Asbestos or Asbestos Dust Asbestos Dust Asbestos Dust shall mean fibres or particles of Asbestos Bodily Injury Bodily Injury shall mean bodily injury death disease or illness Business Business shall mean that which is specified in the Schedule and conducted solely from the premises of the businesses insured under the Local Policies listed in Schedules A and B and shall include a) the ownership repair and maintenance of the Insured's own property b) the provision and management of canteen social sports and welfare organisations and first aid ambulance and medical services for the benefit of any Person Employed c) fire and security services maintained solely for the protection of premises owned or occupied by the Insured d) private work carried out by any Person Employed with the prior consent of the Insured for any director or partner of the Insured or Employee e) the provision of car parks f) the provision of sponsorship g) repair or servicing of vehicles other than on a commercial basis 28 January 2014 Page 9 of 29

11 Definitions Business h) attendance at or participation in trade fairs shows and exhibitions by any Employee or Director in connection with their employment i) former activities of the Insured as declared and agreed by the Insurers Data Data shall mean information represented or stored electronically including but not limited to code or series of instructions operating systems software programs and firmware Employee Employee shall mean any individual under a contract of service or apprenticeship with the Insured Employment Related Practices Employment Related Practices shall mean any error misstatement misleading statement act omission neglect or breach of duty actually or allegedly committed or attempted by the Insured in connection with any actual or alleged a) unlawful or unfair dismissal b) discharge or termination of employment c) breach of any written or oral employment contract or quasi-employment contract d) employment-related misrepresentation e) violation of employment discrimination laws (including sexual or other workplace harassment and discrimination on the grounds of racial or national origin sex sexual orientation religion maternity pregnancy age and disability) f) violation or non-compliance with legislation regulating working hours g) failure to employ or promote h) demotion i) discipline j) deprivation of a career opportunity k) failure to grant tenure l) failure to adopt adequate workplace or employment policies and procedures m) retaliatory treatment of whistleblowers and others n) negligent evaluation o) employment-related invasion of privacy p) employment-related breach of data protection legislation q) employment-related libel slander humiliation and defamation r) failure to furnish job references or accurate job references s) employment-related infliction of mental anguish or emotional distress (continued) Insured The Insured shall mean the Insured as stated in the Schedule and the personal representatives of the Insured in respect of legal liability incurred by the Insured and at the request of the Insured the Insurer will also indemnify the following within the terms and conditions of the Policy 1) any principal 2) any director or partner of the Insured 3) any Person Employed against legal liability in respect of which the Insured would have been entitled to indemnity under this Policy if the claim had been made against the Insured 4) the officers committees and members of the Insured's canteen social sports and welfare organisations and first aid fire ambulance medical and security services in their respective 28 January 2014 Page 10 of 29

12 Definitions Insured capacities as such but this shall not include medical or dental practitioners in relation to medical services provided 5) any director or partner of the Insured or Employee with the prior consent of the Insured in respect of private work undertaken by any Person Employed for such director partner or Employee Legal Costs Legal Costs shall mean A) claimant's costs and expenses which the Insured is legally liable to pay in connection with any claim B) (i) the costs of legal representation (ii) (a) (b) at any Coroner's Court or Fatal Accident Inquest (or other local equivalent) at any court arising out of any alleged breach of statutory duty resulting in any claim which may be the subject of indemnity all other costs and expenses in relation to any matter which may form the subject of a claim for indemnity under this Policy incurred with the written consent of the Insurer Local Policy (continued) Local Policy shall mean any policy listed in Schedules A & B including any certificate issued in support thereof North America North America shall mean the United States of America Puerto Rico or Canada or their territories or possessions or Puerto Rico Occurrence Occurrence shall mean one event or series of events consequent on or attributable to one source or original cause Offshore Offshore shall mean embarkation on to a vessel or aircraft for conveyance to an offshore rig or platform until disembarkation from the conveyance on to land upon return from such offshore rig or platform Person Employed Person Employed shall mean any of the following while under the direct control and supervision of the Insured and whilst working for the Insured in connection with the Business a) Employee b) labour master and persons supplied by any Employee c) individuals employed by labour only sub-contractors d) self-employed person (not being in partnership with the Insured) 28 January 2014 Page 11 of 29

13 Definitions Person Employed e) individual supplied to hired to or borrowed by the Insured f) individual undertaking study or work experience while under the supervision of the Insured g) person working under the Community Offender Act 1978 or similar legislation h) prospective employees being assessed by the Insured as to their suitability for employment Personal and Advertising Injury Personal and Advertising Injury shall mean i. unlawful arrest wrongful detention false imprisonment ii. malicious prosecution iii. nuisance trespass to land or trespass to goods or interference with any easement right of air light water or way iv. invasion of the right of privacy v. wrongful entry wrongful eviction or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor vi. oral or written publication of material in any manner that slanders or libels a person or organisation or disparages a person's or organisation's goods products or services vii. oral or written publication of material in any manner that violates a person's right of privacy viii. the use of another's advertising idea in an Advertisement ix. infringement of copyright trade dress or slogan in an Advertisement (continued) and shall include Bodily Injury arising from the torts enumerated in i. to ix. above Property Damage Property Damage shall mean loss of or damage to or destruction of material property but shall not include loss of or damage to Data Silica Silica shall mean silicon dioxide (occurring in crystalline amorphous and impure forms) silica particles silica dust or silica compounds Silica-related Dust Silica-related Dust shall mean a mixture or combination of Silica and other dust or particles Terrorism Terrorism shall mean acts of persons acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of Her Majesty's government in the United Kingdom or any other government de jure or de facto Vehicle Vehicle shall mean any mechanically propelled vehicle (including any machinery or apparatus attached thereto) 28 January 2014 Page 12 of 29

14 Section 1 Public/Products Liability General Provisions Section 1 Public/Products Liability The Insurer will provide indemnity to the Insured to the extent that a) indemnity is not provided by b) the limits applicable are exceeded under any Local Policy listed in Schedule A and Schedule B c) indemnity is not provided solely by reason of insolvency under any Local Policy listed in Schedule A 1) up to the Limit of Indemnity for damages which the Insured shall become legally liable to pay consequent upon a) accidental Bodily Injury b) accidental Property Damage happening during the Period of Insurance in connection with the Business and arising out of an Occurrence 2) for Legal Costs Provided that a) in respect of any one Occurrence b) in respect of all Occurrences happening during the Period of Insurance arising out of products supplied c) in respect of all incidents considered to have occurred during the Period of Insurance in respect of pollution or contamination of buildings or other structures or of water or of land or of the atmosphere The following shall apply 1. the Limits of Indemnity shall be reduced by an amount equal to the indemnity recoverable by the Insured under each Local Policy declared in Schedule A and B 2. where any amounts paid by the Insurer under any Local Policy and this Policy exceed the Limits of Indemnity stated in the Schedule all such excess amounts shall be recoverable from the Primary Insured 3. the total amount payable in respect of 1 above and all Extensions and Endorsements shall not exceed the Limit of Indemnity 4. all Legal Costs shall be payable in addition to the Limits of Indemnity but in respect of claims brought in North America the Limits of Indemnity shall be inclusive of all Legal Costs 5. the Insurer may at any time pay the Limit of Indemnity (less any sums already paid as damages) or any less amount for which at the absolute discretion of the Insurer the claims arising out of such Occurrence can be settled The Insurer will the relinquish control of such claims and be under no further liability in respect thereof except for Legal Costs for which the Insurer may be responsible prior to the date of such payment 6. where the Insurer is liable to indemnify more than one person the total amount of indemnity in respect of damages shall not exceed the Limit of Indemnity 28 January 2014 Page 13 of 29

15 Section 1 Public/Products Liability Exclusions The indemnity will not apply to legal liability 1) arising from or out of the ownership possession or use by or on behalf of the Insured of any A) Vehicle other than legal liability arising out of 1) the use of plant as a tool of trade on site 2) the use of plant at the premises of the Insured 3) the loading or unloading of any vehicle except where indemnity is provided by any motor insurance contract or where insurance or security is required by law B) aircraft or other aerial device C) aerospatial device D) hovercraft or hydrofoil E) water-borne vessel or craft other than i) hand propelled or sailing craft in inland or territorial waters and not exceeding 50 feet in length ii) craft used for business entertainment within inland or territorial waters 2) arising from or in connection with 1) advice 2) design 3) specification provided for a fee by the Insured and not connected with the supply or intended supply of the Insured's products 3) for or arising from Property Damage which at the time of the Occurrence giving rise to such liability is owned by or held in trust by or in the custody or control of the Insured other than (a) (b) (c) Employees' directors' or visitors' personal effects including vehicles and their contents premises and their contents not owned by or leased or rented to the Insured at which the Insured is undertaking work in connection with the Business premises and their fixtures and fittings leased or rented to the Insured unless such legal liability 1) has been accepted by agreement in which case the indemnity will only be provided to the extent that such liability would have attached in the absence of such agreement 2) arises from an agreement to maintain in force insurance in respect of loss of or damage to such premises and their fixtures and fittings 28 January 2014 Page 14 of 29

16 Section 1 Public/Products Liability Exclusions 4) caused by or arising out of pollution or contamination of buildings or other structures or of water or land or the atmosphere unless the pollution or contamination is caused by a sudden identifiable unintended and unexpected incident which takes place in its entirety at a specific moment in time and place during they Period of Insurance Provided that all pollution or contamination which arises out of one incident shall be considered by the Insurer for the purposes of this Policy to have occurred at the time such incident takes place 5) arising from any consequence of war invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power 6) for Bodily Injury sustained by any Person Employed arising out of and in the course of the employment of that person by the Insured in the Business 7) for Property Damage to any product supplied or contract work executed by the Insured caused by any defect therein or the harmful nature or unsuitability thereof for its intended purpose 8) for the costs of recall removal repair alteration replacement or reinstatement of any product supplied or contract work executed by the Insured necessitated by any known or suspected defect therein or the unsuitability thereof for its intended purpose 9) of whatsoever nature directly or indirectly caused by or contributed to or arising from A) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or B) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof 10) for A) fines or penalties B) liquidated damages C) compensation ordered or awarded by a Court of Criminal Jurisdiction D) aggravated exemplary or punitive damages 11) for any liability arising out of Aircraft Products 12) arising in whole or in part directly or indirectly out of 28 January 2014 Page 15 of 29

17 Section 1 Public/Products Liability Exclusions a) polychlorinated biphenyls b) ureaformaldehyde where such liability arises out of the known or suspected injurious or damaging effects of the above 13) for Bodily Injury or Property Damage or legal liability of whatsoever nature directly or indirectly resulting from Employment Related Practices 14) for Bodily Injury or Property Damage or remediation costs or legal liability of whatsoever nature directly or indirectly caused or contributed to or occurring by the presence of Asbestos Asbestos Containing Materials or Asbestos Dust or the release of Asbestos Dust or the exposure of persons buildings or property to Asbestos Asbestos Containing Materials or Asbestos Dust 15) for Bodily Injury or Property Damage in respect of any Deductible excess or other self insured retention applying in any of the Local Policies in Schedules A & B 16) for Bodily Injury or Property Damage in respect of any claim not indemnified under any Local Policy due to non-compliance with any condition or warranty specified therein 17) for Bodily Injury or Property Damage arising out of Personal and Advertising Injury 18) for Bodily Injury or Property Damage or remediation costs or legal liability of whatsover nature directly or indirectly caused or contributed to or occurring by the presence of Silica or Silica-related Dust 28 January 2014 Page 16 of 29

18 Section 1 Public/Products Liability Extensions Each of which is subject otherwise to the terms and conditions of this Policy unless specifically stated otherwise herein Compensation for Court Attendance In the event of any of the undermentioned persons attending court as a witness at the request of the Insurer in connection with a claim in respect of which the Insured is entitled to indemnity under this Policy the Insurer will provide compensation to the Insured at the following rates per day for each day on which attendance is required a) any Director or partner of the Insured 500 b) any Employee 250 Contingent Motor Liability Notwithstanding Exclusion 1A) the Insurer will provide indemnity to the Insured against legal liability for Bodily Injury or Property Damage arising out of the use in the course of the Business by any Employee of any Vehicle not the property of nor provided by the Insured The indemnity will not apply to legal liability A) in respect of loss of or damage to such Vehicle or to property conveyed therein B) in respect of which the Insured is entitled to indemnity under any other insurance Cross Liabilities If the Insured comprises more than one party the Insurer will provide indemnity to each in the same manner and to the same extent as if a separate Policy had been issued to each Provided that the total amount payable in respect of damages under any or all policies shall not exceed the Limit of Indemnity stated in the Schedule Defective Premises Act The Insurer will provide indemnity in respect of legal liability for Bodily Injury or Property Damage incurred by virtue of the provisions of Section 3 of the Defective Premises Act 1972 or equivalent legislation enacted outside the United Kingdom The indemnity will not apply to legal liability A) for the costs of remedying any defect or alleged defect in premises disposed of by the Insured B) to the extent that indemnity is provided from any other source Excess and Residual Employers Liability Notwithstanding Exclusion 6 the Insurer will provide indemnity in respect of legal liability for Bodily Injury sustained in connection with the Business to any Person Employed where the Insured's legal liability is insurable under any employers' liability workmens' compensation or similar law Provided that the Insurer shall only be liable (i) in excess of any limits applicable under any policy or policies effected in any country to comply with such legal requirements or 1,000,000 per Occurrence whichever is the greater up to the Limits of 28 January 2014 Page 17 of 29

19 Section 1 Public/Products Liability Extensions Excess and Residual Employers Liability (ii) Indemnity stated in the Schedule in respect of subrogation rights exercised against the Insured by any state social security or similar scheme (insured or otherwise) The indemnity will not apply to legal liability A) in respect of which the Insured is entitled to indemnity under any other insurance B) arising directly or indirectly out of Terrorism C) arising out of any work undertaken Offshore D) sustained by any Person Employed in Great Britain Northern Ireland the Channel Islands Isle of Man or the Republic of Ireland Excess Motor Liability Notwithstanding Exclusion 1 A) the Insurer will provide indemnity to the Insured against legal liability for accidental Bodily Injury or accidental Property Damage for any amount in excess of the amount payable under any motor insurance where such liability arises out of the use by any Person Employed or Director of the Insured of any of the Insured's Vehicles Provided that (i) (continued) the limit of liability under such motor insurance shall not be less than USD 5,000,000 or the equivalent thereof in local currency (ii) (iii) the indemnity provided shall in addition be subject to the same terms conditions and warranties as the underlying motor insurance the Limits of Indemnity contained in the Schedule shall be reduced by an amount equal to the indemnity recoverable by the Insured under the underlying motor insurance The indemnity will not apply to legal liability A) in respect of loss of or damage to such Vehicle or to property conveyed therein B) in respect of which the Insured is entitled to indemnity under any other insurance C) arising directly or indirectly out of Terrorism Overseas Personal Liability The Insurer will provide indemnity to the Insured and if the Insured so requests any Employee or Director or partner of the Insured against legal liability in respect of Bodily Injury or Property Damage incurred in a personal capacity while temporarily outside their normal country of residence in connection with the Business The indemnity will not apply i) to legal liability arising out of the ownership or occupation of land or buildings ii) where indemnity is provided by any other insurance Unauthorised Movement The Insurer will indemnify the Insured in respect of liability arising from or in connection with any Vehicle not the property of nor provided by the Insured that is causing an obstruction and interfering with the Business and is moved by any Person Employed or Director of the Insured provided that the indemnity afforded by this Extension will not apply to the extent that an indemnity is provided to the Insured by a more specific motor insurance policy or where insurance or security is required by law 28 January 2014 Page 18 of 29

20 Section 1 Public/Products Liability Extensions Vendors Liability The Insurer will provide indemnity to the Vendor in respect of legal liability for accidental Bodily Injury or accidental Property Damage arising out of the sale or distribution by such Vendor of the any of the Insured's products The indemnity will not apply to legal liability for accidental Bodily Injury or accidental Property Damage (i) (ii) (iii) (iv) (v) (vi) arising out of the unauthorised sale or distribution of the Insured's products arising out of the issuance of any express warranty by the Vendor which has not been authorised by the Insured arising out of the Vendor intentionally changing the physical or chemical make-up of the Insured's products arising out of repacking or repackaging by the Vendor unless unpacked or unpackaged solely for the purpose of inspection demonstration testing or the substitution of parts under instruction from the Insured and then repacked or repackaged in the original container or packaging arising out of failing to carry out such inspections adjustments tests or service as the Vendor has agreed to or normally would carry out in the usual course of the business in connection with the distribution or sale of the Insured's products arising out of demonstration installation service or repair by the Vendor of the Insured's products except such operations carried out at the Vendor's premises in connection with the sale of the Insured's products (vii) arising out of labelling relabelling or using the Insured's products as a container part or ingredient of any other thing or substance (viii) incurred by persons or organisations from whom the Insured has acquired the Insured's products (ix) (x) (xi) liability assumed by the Vendor under any contract or agreement except to the extent that such liability would have attached in the absence of such contract or agreement arising out of the sale or distribution of the Insured's products other than by the Vendor arising out of the ownership or occupation of any premises by the Vendor (xii) arising out of any unauthorised advice or specification by the Vendor in connection with any of the Insured's products (xiii) arising out of the failure by the Vendor to maintain the Insured's products in a merchantable condition For the purpose of this Extension Vendor shall mean any person or organisation who undertakes in the normal course of their business to distribute or sell the Insured's products 28 January 2014 Page 19 of 29

21 Section 2 Personal and Advertising Injury General Provisions Section 2 Personal and Advertising Injury The Insurer will provide indemnity to the Insured to the extent that a) indemnity is not provided by b) the limits applicable are exceeded under any Local Policy listed in Schedule A and Schedule B c) indemnity is not provided solely by reason of insolvency under any Local Policy listed in Schedule A up to the Limit of Indemnity for damages which the Insured shall become legally liable to pay and Legal Costs consequent upon Personal and Advertising Injury in respect of any act committed during the Period of Insurance in connection with the Business Provided that in respect of any one act committed the following shall apply 1. the Limits of Indemnity shall be reduced by an amount equal to the indemnity recoverable by the Insured under each Local Policy declared in Schedule A and B 2. where any amounts paid by the Insurer under any Local Policy and this Policy exceed the Limits of Indemnity stated in the Schedule all such excess amounts shall be recoverable from the Primary Insured 3. the total amount payable in respect of 1 above and all Extensions and Endorsements shall not exceed the Limit of Indemnity 4. all Legal Costs shall be payable in addition to the Limits of Indemnity but in respect of claims brought in North America the Limits of Indemnity shall be inclusive of all Legal Costs 5. the Insurer may at any time pay the Limit of Indemnity (less any sums already paid) or any less amount for which at the absolute discretion of the Insurer the claims arising can be settled The Insurer will then relinquish control of such claims and be under no further liability in respect thereof except for Legal Costs for which the Insurer may be responsible prior to the date of such payment 6. where the Insurer is liable to indemnify more than one person the total amount of indemnity in respect of damages shall not exceed the Limit of Indemnity 28 January 2014 Page 20 of 29

22 Section 2 Personal and Advertising Injury Exclusions The indemnity will not apply 1. to Personal and Advertising Injury caused by or at the direction of the Insured or any director or partner of the Insured with the knowledge that the act would violate the rights of another and would inflict Personal and Advertising Injury 2. to Personal and Advertising Injury arising out of oral or written publication of material if done by or at the direction of the Insured or any director or partner of the Insured with knowledge of its falsity 3. to Personal and Advertising Injury arising out of oral or written publication of material whose first publication took place before the beginning of the policy period 4. to Personal and Advertising Injury arising out of a criminal act committed by or at the direction of the Insured or any director or partner of the Insured 5. to Personal and Advertising Injury arising due to a contract or agreement except to the extent that such liability would have attached in the absence of such contract or agreement 6. to Personal and Advertising Injury arising out of a breach of contract except an implied contract to use another's advertising idea in the Insured's Advertisement 7. to Personal and Advertising Injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in the Insured's Advertisement 8. to Personal and Advertising Injury arising out of the wrong description of the price of goods products or services stated in the Insured's Advertisement 9. to Personal and Advertising Injury committed by an Insured whose Business is a) advertising broadcasting publishing or telecasting or b) designing or determining the content of web-sites for others or c) providing an internet search access content or service provider For the purposes of this Exclusion the placing of frames borders or links or advertising for the 28 January 2014 Page 21 of 29

23 Section 2 Personal and Advertising Injury Exclusions Insured or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting This Exclusion shall not apply to the torts stated in i) to v) of the Personal and Advertising Injury Definition 10. to Personal and Advertising Injury arising out of electronic bulletin boards or chatrooms that the Insured hosts owns or exercises control over 11. to Personal and Advertising Injury arising from the unauthorised use of another's name or product in an address domain name or metatag or any other similar methods to mislead another's potential customers 12. to Personal and Advertising Injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights However this Exclusion does not apply to infringement in the Insured's Advertisement of copyright trade dress or slogan 13. in respect of any Deductible excess or other self insured retention applying in any of the Local Policies in Schedules A & B 14. in respect of any claim not indemnified under any Local Policy due to non-compliance with any condition or warranty specified therein 15. in respect of A) fines or penalties B) liquidated damages C) compensation ordered or awarded by a Court of Criminal Jurisdiction D) aggravated exemplary or punitive damages 16. to Personal and Advertising Injury sustained by any Person Employed arising out of and in the course of the employment of that person by the Insured in the Business 17. in respect of any consequence of war invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power 28 January 2014 Page 22 of 29

24 Section 2 Personal and Advertising Injury Exclusions 18. to Personal and Advertising Injury caused by or arising out of pollution or contamination of buildings or other structures or of water or land or the atmosphere unless the pollution or contamination is caused by a sudden identifiable unintended and unexpected incident which takes place in its entirety at a specific moment in time and place during the Period of Insurance Provided that all pollution or contamination which arises out of one incident shall be considered by the Insurer for the purposes of this Policy to have occurred at the time such incident takes place. 19. for Personal and Advertising Injury or legal liability of whatsoever nature directly or indirectly resulting from Employment Related Practices 20. to Personal or Advertising Injury or remediation costs or legal liability of whatsoever nature directly or indirectly caused or contributed to or occurring by the presence of Asbestos Asbestos Containing Materials or Asbestos Dust or the release of Asbestos Dust or the exposure of persons buildings or property to Asbestos Asbestos Containing Materials or Asbestos Dust 21. to Personal or Advertising Injury or remediation costs or legal liability of whatsover nature directly or indirectly caused or contributed to or occurring by the presence of Silica or Silica-related Dust 28 January 2014 Page 23 of 29

25 Section 2 Personal and Advertising Injury Extensions Each of which is subject otherwise to the terms and conditions of this Policy unless specifically stated otherwise herein Compensation for Court Attendance In the event of any of the undermentioned persons attending court as a witness at the request of the Insurer in connection with a claim in respect of which the Insured is entitled to indemnity under this Policy the Insurer will provide compensation to the Insured at the following rates per day for each day on which attendance is required a) any Director or partner of the Insured 500 b) any Employee 250 Cross Liabilities If the Insured comprises more than one party the Insurer will provide indemnity to each in the same manner and to the same extent as if a separate Policy had been issued to each Provided that the total amount payable in respect of damages under any or all policies shall not exceed the Limit of Indemnity stated in the Schedule 28 January 2014 Page 24 of 29

26 Conditions General Conditions 1. The due observance and fulfilment by the Insured of all the terms and conditions of this Policy insofar as they relate to anything to be done or complied with by the Insured shall be a condition precedent to any liability of the Insurer under this Policy 2. The Insured shall at their own expense a) take all reasonable precautions to prevent any circumstances or to cease any activity which may give rise to liability under this Policy and to maintain all buildings furnishings ways works machinery plant and vehicles in a sound condition b) comply with all statutory requirements and regulations imposed by any authority c) as soon as possible after discovery cause any defect or danger or error or omission to be made good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstances may require 3. Cancellation This policy may be cancelled (a) by the Insurer sending thirty days notice by recorded delivery letter to the last known address of the Insured who shall be entitled to a pro rata return of premium (b) by the Insured who may be entitled to a return of premium after deduction of premium at the Insurer's short period rates for the period the policy has been in force 4. The terms of this Policy shall not be waived nor changed except by Endorsement issued or intended to be issued to form part of this Policy 5. Assignment of interest under this Policy shall not bind the Insurer unless its consent is endorsed hereon 6. If the Premium or any part thereof is calculated on estimates supplied to the Insurer by or on behalf of the Insured the Insured shall keep an accurate record of all relevant particulars and shall allow the Insurer to inspect such records at any reasonable time The Insured shall furnish the Insurer with such information as the Insurer may require at the expiry of the Period of Insurance The Premium shall thereupon be adjusted and any difference shall be paid by or returned to the Insured subject to any agreed Minimum Premium 7. The Insured shall maintain in force during the Period of Insurance stated in the Schedule any Local Policy declared in Schedule A and B 28 January 2014 Page 25 of 29

27 Conditions General Conditions 8. The Insurer may at its own discretion make payment to the Primary Insured of any sums due under this Policy and the receipt by the Primary Insured of such sums shall constitute a sufficient and complete discharge of the Insurer's obligations to the Insured 9. All premiums and claims payable under this Policy shall be paid in Great Britain in Sterling unless otherwise jointly agreed by the Insurer and the Insured For loss settlement the rate of exchange shall be the free rate of exchange applicable at the time of settlement of the loss 10. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this Policy which would breach economic financial or trade sanctions ("Sanctions") imposed under the law of the country in which this Policy is issued or would otherwise provide cover 28 January 2014 Page 26 of 29

28 Conditions Claims Conditions The due observance and fulfilment by the Insured of all the terms and conditions of this Policy insofar as they relate to anything to be done or complied with by the Insured shall be a condition precedent to any liability of the Insurer under this Policy 1. The Insured shall give as soon as reasonably practicable to the Insurer full written notice of any Occurrence which may give rise to a claim under this Policy The Insurer shall not avoid any claim on the grounds of breach of this Claims Condition but where the Insurer can demonstrate that the Insured has prejudiced the handling or settlement of any claim the amount payable in respect of such claim (including Legal Costs) shall be reduced to such sum as in the Insurer's opinion would have been payable in the absence of such prejudice 2. No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurer which shall be entitled to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute any claim in the name of the Insured for its own benefit and shall have full discretion in the conduct of any proceedings and in the settlement of any claim The Insured shall give all such assistance as the Insurer may require 3. The Insured shall give such assistance to deal with claims and conduct of legal proceedings arising therefrom as the Insurer and/or their chosen legal advisers and consultants may reasonably require 4. Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the exclusive jurisdiction of the courts of England and Wales 5. The Insured will be required to handle the defence and investigation of claims arising outside the United Kingdom where the Insurer is by law or circumstance outside its control prevented from so doing However nothing contained herein shall serve to limit the Insured's duties as set out in Claims Conditions 1, 2 and 3 of this Policy The Insured will be indemnified in the United Kingdom in respect of such claims where the Insurer is by law or circumstance outside its control prevented from indemnifying the Insured locally 6. Other than in respect of the Contingent Motor Extension to Section 1 if at the time of any claim there is or but for the existence of this Policy there would be any other insurance covering the same legal liability the indemnity will not apply except in respect of any amount beyond that which would have been payable under such other insurance had this Policy not been effected 28 January 2014 Page 27 of 29

29 Customer Service Additional Information Complaints Procedure - Our Commitment To Customer Service At RSA we are committed to going the extra mile for our customers so if you believe that we have not delivered the service you expected we want to hear from you so that we can try to put things right We take all complaints seriously and following the steps below will help us understand your concerns and give you a fair response (A) Step 1 If your complaint relates to your policy then please contact the sales and service team in the office which issued the policy or your Broker If your complaint relates to a claim then please call our claims team or the number shown at the front of this policy We aim to resolve your concerns by close of the next business day as experience tells us that most difficulties can be sorted out within this time (B) Step 2 In the unlikely event that your concerns have not been resolved within this time your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive - their contact details are as follows: Post: RSA Customer Relations Team P O Box 2075 Livingston EH54 0EP Our promise to you We will: 1) Acknowledge all complaints promptly 2) Investigate quickly and thoroughly 3) Keep you informed of progress 4) Do everything possible to resolve your complaint 5) Use the information from your complaint to proactively improve our service in the future Once we have reviewed your complaint we will issue our final decision in writing within 8 weeks of the date we received your complaint (C) If you are still not happy If you are still unhappy after our review (or you have not received a written offer of resolution within 8 weeks of the date we received your complaint) you may be eligible to refer your case to the Financial Ombudsman Service (FOS) who are an independent body that arbitrates on complaints They can be contacted at: Post: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR 28 January 2014 Page 28 of 29

30 Customer Service Additional Information Complaints Procedure - Our Commitment To Customer Service (continued) Telephone: (for landline users) (for mobile users) Website: You have six months from the date of our final response to refer your complaint to the FOS This does not affect your right to take legal action - however the FOS will not adjudicate on any case where litigation has commenced (D) Thank you for your feedback We value your feedback and at the heart of our brand we remain dedicated to treating our customers fairly and giving them the best possible service at all times - so if we have fallen short of this promise we apologise and aim to do everything possible to put things right 28 January 2014 Page 29 of 29

Employers Liability Policy specimen

Employers Liability Policy specimen Employers Liability Policy Royal & Sun Alliance Insurance plc (No. 93792). Registered in England & Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation

More information

[ Liability Insurance]

[ Liability Insurance] [ Liability Insurance] Liability Insurance General Conditions/Claims Conditions 1 Observance Observance of the terms of this Policy relating to anything to be done or complied with by the Policyholder

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

LIABILITY INSURANCE. Policy

LIABILITY INSURANCE. Policy LIABILITY INSURANCE Policy 2 Liability Insurance Policy Claim Notification Conditions that apply to the policy and in the event of a claim are set out in this policy wording. It is important that you comply

More information

PUBLIC & PRODUCTS LIABILITY INSURANCE

PUBLIC & PRODUCTS LIABILITY INSURANCE PUBLIC & PRODUCTS LIABILITY INSURANCE ASSURED: SCHEDULE TO THE POLICY POLICY NUMBER: BUSINESS: PERIOD OF INSURANCE: From: To: (both dates inclusive) INDEMNITY LIMITS: Section: A: Section B: Section C:

More information

PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY

PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY PUBLIC AND PRODUCTS LIABILITY INSURANCE SCHEDULE TO THE POLICY INSURED: POLICY NO: BUSINESS: PERIOD OF INSURANCE: From: To: (both dates inclusive) INDEMNITY LIMITS: Section A: Section B: Section C: EXCESS:

More information

LIABILITY INSURANCE. Policy

LIABILITY INSURANCE. Policy LIABILITY INSURANCE Policy Liability Insurance Policy 3 Liability Insurance General Conditions/Claims Conditions 1 Observance It is a requirement of the Company that the following conditions apply to

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

Employers Liability Section

Employers Liability Section Employers Liability Section Definitions 1 lnjury Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock 2 Employee A B Any person under a contract of service or apprenticeship

More information

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING

ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING ACTIVITIES INDUSTRY MUTUAL LIMITED EMPLOYERS LIABILITY COVER WORDING Activities Industry Mutual Limited Registered in England No. 05372198. Registered Office: 7 Maltings Place, 169 Tower Bridge Road, London

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

Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100. General Liability Policy For Recruitment Agencies

Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100. General Liability Policy For Recruitment Agencies Caunce O Hara & Company Ltd Tel: 0161 833 2100 Fax: 0161 839 2100 General Liability Policy For Recruitment Agencies Definitions Underwriters have set out below definitions of certain words or phrases that

More information

PRODUCT LIABILITY INSURANCE (Richard Oliver Version)

PRODUCT LIABILITY INSURANCE (Richard Oliver Version) (Richard Oliver Version) OPERATIVE CLAUSE The Underwriters will indemnify the Assured against their legal liability, whether by way of claims made against them or by way of loss or expense incurred by

More information

DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND CLUBS

DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND CLUBS PLEASE READ THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) TO ENSURE THAT IT MEETS YOUR REQUIREMENTS DIRECTORS AND OFFICERS LIABILITY INSURANCE FOR RESIDENTS ASSOCIATIONS AND

More information

GENERAL LIABILITY - PUBLIC AND PRODUCTS LIABILITY

GENERAL LIABILITY - PUBLIC AND PRODUCTS LIABILITY GENERAL LIABILITY - The General Terms and Conditions and the following terms and conditions all apply to this section. SPECIAL DEFINITIONS FOR THIS SECTION Bodily injury Defence costs Denial of access

More information

Tour Operators and Travel Agents Combined Liability Insurance POLICY DOCUMENT. V2014-Cat-TOL01

Tour Operators and Travel Agents Combined Liability Insurance POLICY DOCUMENT. V2014-Cat-TOL01 Tour Operators and Travel Agents Combined Liability Insurance POLICY DOCUMENT V2014-Cat-TOL01 Touchstone Underwriting Tour Operators Liability Policy 1 Underwritten by Touchstone Underwriting Tour Operators

More information

Sport Recreation and Leisure Liability

Sport Recreation and Leisure Liability Underwritten by Sport Recreation and Leisure Liability Policy Summary Arranged by 2 Sport Recreation and Leisure Liability Policy Summary Sport Recreation and Leisure Liability Policy Summary The information

More information

Public Liability Insurance

Public Liability Insurance Public Liability Insurance This is a Claims Made Policy. This Policy covers only claims notified to the Company during the Period of Insurance. The Limit of Indemnity applies to all damages and costs and

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

DRIVING INSTRUCTOR PUBLIC LIABILITY & PROFESSIONAL INDEMNITY INSURANCE

DRIVING INSTRUCTOR PUBLIC LIABILITY & PROFESSIONAL INDEMNITY INSURANCE DRIVING INSTRUCTOR PUBLIC LIABILITY & PROFESSIONAL INDEMNITY INSURANCE Policy Arranged by THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL CONTRACT. PLEASE EXAMINE IT

More information

PROFESSIONAL INDEMNITY INSURANCE POLICY ARCHAEOLOGISTS

PROFESSIONAL INDEMNITY INSURANCE POLICY ARCHAEOLOGISTS PROFESSIONAL INDEMNITY INSURANCE POLICY ARCHAEOLOGISTS (This is a claims made Policy & only covers claims notified during the Period of Insurance) IN CONSIDERATION of the Insured named in the Schedule

More information

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition

PROPERTY DEVELOPMENT CONTINGENCY INSURANCE. Your Policy Terms and Conditions September 2013 Edition PROPERTY DEVELOPMENT CONTINGENCY INSURANCE Your Policy Terms and Conditions September 2013 Edition WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 50 million customers

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC LIABILITY INSURANCE POLICY IT IS AGREED THAT subject to the Terms Exceptions and Conditions contained herein or endorsed hereon the Company will during the Period of Insurance stated in the said

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

SANTAM UMBRELLA LIABILITY

SANTAM UMBRELLA LIABILITY SANTAM UMBRELLA LIABILITY DEFINED EVENTS 1. Damages, costs, fees and expenses which the insured shall become legally liable to pay consequent upon Injury, Damage, Malice or Negligent Advice which occur

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

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below.

MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1.2. Defence Costs Underwriters agree to pay all Defence Costs as defined below. MISCELLANEOUS PROFESSIONAL INDEMNITY INSURANCE (Costs Inclusive). 1. INSURING AGREEMENTS 1.1 Insuring Clause Whereas the company, partnership or firm as stated in Item 1 of the Schedule (the Named Insured

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

EMPLOYERS LIABILITY INSURANCE POLICY

EMPLOYERS LIABILITY INSURANCE POLICY EMPLOYERS LIABILITY INSURANCE POLICY GENERAL PROVISIONS This Policy is evidence of the contract between the Insured and the Insurers. The Insured by a Proposal and Declaration which shall be the basis

More information

Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock.

Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock. Employers Liability Definitions 1 Injury Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock. 2 Employee B ny person under a contract of service or apprenticeship with

More information

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Directors and Officers Liability and Company Reimbursement. Issued to Eligible Emergency Resource Providers by VMIA Policy Wording Directors and Officers Liability and Company Reimbursement Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2014 to 30 June 2015 Contents Directors and

More information

PUBLIC LIABILITY INSURANCE

PUBLIC LIABILITY INSURANCE PUBLIC LIABILITY INSURANCE This Policy does not provide insurance for Products or goods supplied in the course of the Insured s principal business activity. RoyalStar Assurance Ltd. P. O. Box N-4391 P.

More information

Liability Insurance for Executive and Private/Public Hire

Liability Insurance for Executive and Private/Public Hire Liability Insurance for Executive and Private/Public Hire Arranged Exclusively by South Essex Insurance Brokers Arranged by Underwritten by Registered in England & Wales No. 24869 Registered Office: Beaufort

More information

COMMERCIAL LIABILITY POLICY

COMMERCIAL LIABILITY POLICY For your own protection you are recommended to read your Policy and all its Conditions to ensure that it is in accordance with your intentions. COMMERCIAL LIABILITY POLICY ZURICH INSURANCE COMPANY Ltd

More information

PROFESSIONAL INDEMNITY AND LIABILITY

PROFESSIONAL INDEMNITY AND LIABILITY Underwritten by PROFESSIONAL INDEMNITY AND LIABILITY Policy Arranged by Professional Indemnity and Liability Policy 3 THIS POLICY (AND THE SCHEDULE WHICH FORMS AN INTEGRAL PART OF THE POLICY) IS A LEGAL

More information

Royal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance

Royal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance Royal & SunAlliance Insurance Group Foreign Unit Travel Insurance Scheme Summary of Insurance Personal Accident, Sickness, Temporary Life and Travel Insurance Policy The following provides a summary of

More information

the predecessors in business of the said firm in respect of whom insurance coverage is expressly provided in the Schedule

the predecessors in business of the said firm in respect of whom insurance coverage is expressly provided in the Schedule PROFESSIONAL INDEMNITY ERRORS & OMISSIONS INSURANCE FOR CHARTERED ACCOUNTANTS/ FINANCIAL ACCOUNTANTS/MANAGEMENT CONSULTANTS/LAWYERS/ ADVOCATES/ SOLICITORS/ COUNSELS 1. OPERATIVE CLAUSE: WHEREAS the insured

More information

Business Insurance Professional indemnity section for recruitment professionals

Business Insurance Professional indemnity section for recruitment professionals Business Insurance Professional indemnity section for recruitment professionals Contents of this section Important information about this cover 1 Meaning of defined terms 2 What is covered 4 What is not

More information

Contractors Plant and Equipment Insurance Policy

Contractors Plant and Equipment Insurance Policy Contractors Plant and Equipment Insurance Policy Please read this Policy carefully to ensure that it meets your requirements This policy the Schedule (including any Schedule issued in substitution) and

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC LIABILITY INSURANCE POLICY GENERAL PROVISIONS This Policy is evidence of the contract between the Insured and the Insurers. The Insured by a Proposal and Declaration which shall be the basis of

More information

EMPLOYER S LIABILITY INSURANCE SCHEDULE TO THE POLICY

EMPLOYER S LIABILITY INSURANCE SCHEDULE TO THE POLICY [ 1 Stables Court, The Parade, Marlborough, Wiltshire. SN8 1NP Telephone: 01672-512512 Fax: 01672-516660 www.lycetts.co.uk e-mail: piers.plunket@lycetts.co.uk EMPLOYER S LIABILITY INSURANCE SCHEDULE TO

More information

Abacus General Liability Policy Wording

Abacus General Liability Policy Wording Abacus General Liability Policy Wording N.B. This policy requires that Insurers are notified of any incident that may give rise to a claim as soon reasonably practicable following the incident. See GENERAL

More information

Select. Casualty Module

Select. Casualty Module Select Casualty Module Contents Part A Public Liability Page Section 1 Special Definitions 3 2 Cover 3 3 Indemnity to Other Persons 4 4 Health and Safety at Work, etc. Act 1974 4 5 Consumer Protection

More information

Work Injury Compensation Insurance (Contract)

Work Injury Compensation Insurance (Contract) Work Injury Compensation Insurance (Contract) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

Homeworkers. Policy Summary

Homeworkers. Policy Summary Homeworkers Policy Summary 2 Homeworkers Policy Summary Homeworkers Policy Summary Your RSA Homeworkers Policy is an annual contract which may be renewed each year subject to your needs and our terms and

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY

More information

Policy document. Employers Liability

Policy document. Employers Liability Policy document Employers Liability Contents Employers Liability 4 The cover 5 Exclusions 8 Conditions 9 Complaints procedure 10 A warm welcome to Zurich Thank you for taking out your Employers Liability

More information

General Liability Insurance

General Liability Insurance General Liability Insurance Insurance Company: Alberta School Boards Insurance Exchange (ASBIE) Insuring Agreement ASBIE agrees to pay on behalf of the Subscriber all sums that they are legally obligated

More information

Liability Insurance Policy

Liability Insurance Policy Liability Insurance Policy 1 RSA Northern Ireland Insurance Ltd LIABILITY INSURANCE - The Document of Insurance THIS IS TO CERTIFY that in accordance with the authorisation granted under the Contract (the

More information

PROFESSIONAL INDEMNITY INSURANCE POLICY

PROFESSIONAL INDEMNITY INSURANCE POLICY PROFESSIONAL INDEMNITY INSURANCE POLICY (This is a claims made Policy & only covers claims notified during the Period of Insurance) IN CONSIDERATION of the Insured named in the Schedule hereto having paid

More information

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA

Policy Wording. Professional Indemnity Insurance. Issued to Eligible Emergency Resource Providers by VMIA Policy Wording Professional Indemnity Insurance Issued to Eligible Emergency Resource Providers by VMIA For the period date 30 June 2015 to 30 June 2016 Contents Professional Indemnity Policy... 3 Definitions...

More information

3. Contract Works Insurance (Public and Products Liability)

3. Contract Works Insurance (Public and Products Liability) Schedule 15A: Insurance Part 1 Required Insurances Sub-part 1 Design and Construction Phase The policies to be taken out by the Contractor, or caused to be taken out by the Major Sub-contractor, and maintained

More information

contractors Policy Summary

contractors Policy Summary contractors Policy Summary 2 Contractors Policy Summary Contractors Policy Summary This is an annually renewable Contractors Annual Insurance underwritten by Royal & Sun Alliance Insurance plc. The information

More information

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright POLICY NUMBER: COMMERCIAL AUTO CA 25 34 12 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia State

More information

Professional Indemnity Insurance Policy

Professional Indemnity Insurance Policy Table of Contents Introduction... 1 Page Definitions... 1 Act of Terrorism... 1 Claim... 1 Documents... 1 Excess... 1 Inquiring Body... 1 Inquiry Costs... 1 Insured... 2 Insured Costs... 2 Insurer... 2

More information

Cleaning contractors: Public liability Policy wording

Cleaning contractors: Public liability Policy wording The General terms and conditions and the following terms and conditions all apply to this section. Special definitions for this section Bodily injury Defence costs Denial of access Dishonesty Financial

More information

TOP-UP EXCESS PUBLIC LIABILITY POLICY

TOP-UP EXCESS PUBLIC LIABILITY POLICY ACE European Group Ltd. ACE Building, 100 Leadenhall Street, London, EC3A 3BP. 020 7173 7000 tel. 020 7173 7800 fax www.aceeurope.co.uk ACE European Group Limited is authorised and regulated by the Financial

More information

Combined Liability Policy Document. Miscellaneous. V1.0 (01/13) Occ

Combined Liability Policy Document. Miscellaneous. V1.0 (01/13) Occ Combined Liability Policy Document Miscellaneous V1.0 (01/13) Occ 0 Contents Introduction... 1 Data Protection policy... 2 Complaints Procedure... 2 Insuring Agreement... 3 Policy Extensions... 4 General

More information

Work Injury Compensation Insurance (Annual)

Work Injury Compensation Insurance (Annual) Work Injury Compensation Insurance (Annual) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.

More information

enable Policy Document for NANNY EMPLOYERS EMPLOYERS LIABILITY INSURANCE INSURANCE SERVICES

enable Policy Document for NANNY EMPLOYERS EMPLOYERS LIABILITY INSURANCE INSURANCE SERVICES EMPLOYERS LIABILITY INSURANCE for NANNY EMPLOYERS Policy Document WELCOME In 1993 a former bookkeeper recognised a need in the domestic employment industry and introduced the concept of a dedicated, user-friendly

More information

Employers Liability Insurance

Employers Liability Insurance Employers Liability Insurance Policy Zurich Global Corporate UK Contents Welcome to Zurich Global Corporate UK 3 Employers Liability Policy 4 Law applicable to the contract 4 Extensions 5 Exclusions 7

More information

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it

1) Uninsured Loss Recovery An event causing damage to the insured vehicle and/or personal property in or on it MOTORING LEGAL SOLUTIONS MCE ASSIST THIS IS YOUR INSURANCE POLICY This policy is evidence of the contract between you and the Insurer. Following an Insured Event the Insurer will pay the Insured s Legal

More information

Master Policy. Solicitors Indemnity Insurance 2006/07 Master Policy and Certificate of Insurance

Master Policy. Solicitors Indemnity Insurance 2006/07 Master Policy and Certificate of Insurance Master Policy Queensland Law Society Incorporated Solicitors Professional Indemnity Insurance Master Policy 2006 2007 1 The Insurer agrees with the Queensland Law Society Incorporated (hereinafter and

More information

L&T GENERAL INSURANCE COMPANY LIMITED COMBINED PUBLIC AND PRODUCT LIABILITY INSURANCE POLICY

L&T GENERAL INSURANCE COMPANY LIMITED COMBINED PUBLIC AND PRODUCT LIABILITY INSURANCE POLICY L&T GENERAL INSURANCE COMPANY LIMITED COMBINED PUBLIC AND PRODUCT LIABILITY INSURANCE POLICY (Notes: 1 Please read and check the details contained in the Schedule and the terms and conditions in the policy

More information

Combined liability insurance

Combined liability insurance Combined liability insurance MUM Liab 01 14 Important This certificate is a legal contract and it is important that you read it carefully to ensure that it meets with your requirements. If it does not

More information

Amlin UK. Combined liability policy

Amlin UK. Combined liability policy Amlin UK Combined liability policy This policy is a contract between you and us and is based upon the information you have given on your proposal and any other information you have supplied. We have agreed

More information

GENERAL LIABILITY WORDING

GENERAL LIABILITY WORDING GENERAL LIABILITY WORDING Important Notice Please check this Policy very carefully. The Insured has applied for this policy by a Proposal to the Company and is the basis of this contract, which is deemed

More information

CGU Insurance Limited Intermediary Business, Corporate NSW Broadform Liability Insurance Policy

CGU Insurance Limited Intermediary Business, Corporate NSW Broadform Liability Insurance Policy CGU Insurance Limited Intermediary Business, Corporate NSW Broadform Liability Insurance Policy The Insured named in the Schedule having made to CGU Insurance Limited A.B.N. 27 004 478 371 (the Company)

More information

PUBLIC LIABILITY POLICY

PUBLIC LIABILITY POLICY PUBLIC LIABILITY POLICY 1. OPERATIVE CLAUSE: WHEREAS the Insured named in the Schedule hereto and carrying on the business described in the said Schedule has applied to IFFCO-TOKIO General Insurance co.

More information

Loss Assessors Fees and Legal Protection. for your business This is your policy wording. Scheme reference TS5/4188422 Arranged by Camberford Law Plc

Loss Assessors Fees and Legal Protection. for your business This is your policy wording. Scheme reference TS5/4188422 Arranged by Camberford Law Plc Loss Assessors Fees and Legal Protection Insurance for your business This is your policy wording Scheme reference TS5/4188422 Arranged by Camberford Law Plc CONTENTS The meaning of words in this policy

More information

Zurich Public and Product Liability Insurance Policy (Occurrence)

Zurich Public and Product Liability Insurance Policy (Occurrence) 免 費 保 戶 服 務 電 話 :0800-880550 資 訊 公 開 查 詢 : http://www.zurich.com.tw 免 費 申 訴 電 話 :0800-501888 消 費 者 可 至 本 公 司 總 分 支 機 構 網 址 查 閱 或 索 取 書 面 資 訊 公 開 說 明 文 件 本 商 品 經 本 公 司 合 格 簽 署 人 員 檢 視 其 內 容 業 已 符 合 保 險

More information

ERRORS & OMISSIONS INSURANCE POLICY

ERRORS & OMISSIONS INSURANCE POLICY ERRORS & OMISSIONS INSURANCE POLICY DOCTORS AND MEDICAL PRACTITIONERS Wordings E & O 1 ERRORS & OMISSIONS INSURANCE POLICY 1. OPERATIVE CLAUSE: DOCTORS AND MEDICAL PRACTITIONERS Whereas the insured named

More information

COMBINED LIABILITY & PROFESSIONAL INDEMNITY POLICY WORDING

COMBINED LIABILITY & PROFESSIONAL INDEMNITY POLICY WORDING COMBINED LIABILITY & PROFESSIONAL INDEMNITY POLICY WORDING TABLE OF CONTENTS PAGE NUMBER Introduction 3 The Contract of Insurance 3 Making a Claim 4 Complaints Procedure 4-5 Definitions 5-6 Section A -

More information

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be

More information

General Liability Policy

General Liability Policy General Liability Policy General liability policy The Policyholder having paid or agreed to pay to the Company the Premium shown in the Schedule for the initial Period of Insurance or a premium advised

More information

Caterers Liability Policy. www.mobilers.co.uk. JN1930 Mobilers Policy Booklet 12.2.15.indd 1 12/02/2015 14:33

Caterers Liability Policy. www.mobilers.co.uk. JN1930 Mobilers Policy Booklet 12.2.15.indd 1 12/02/2015 14:33 Caterers Liability Policy www.mobilers.co.uk JN1930 Mobilers Policy Booklet 12.2.15.indd 1 12/02/2015 14:33 Caterers Liability Policy Introduction This policy document is evidence of a legally binding

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 Tower Insurance Company Limited which may be renewed

More information

CUSTOMER SERVICE INFORMATION. Premier Commercial Limited. The Company

CUSTOMER SERVICE INFORMATION. Premier Commercial Limited. The Company CUSTOMER SERVICE INFORMATION The Company Faraday Reinsurance Co. Limited is a limited company registered in England under company number 0733074. The registered office of Faraday Reinsurance Co. Limited

More information

CHUBB INSURANCE COMPANY OF EUROPE SE

CHUBB INSURANCE COMPANY OF EUROPE SE CHUBB INSURANCE COMPANY OF EUROPE SE 106 Fenchurch Street, London EC3M 5NB, England Telephone: +44 (0) 20 7956 5000 Facsimile: +44 (0) 20 7956 5900 Website: www.chubb.com/uk COMMERCIAL LIABILITY INSURANCE

More information

MEDICAL ESTABLISHMENT - PROFESSIONAL NEGLIGENCE ERRORS & OMISSIONS INSURANCE POLICY 1. OPERATIVE CLAUSE:

MEDICAL ESTABLISHMENT - PROFESSIONAL NEGLIGENCE ERRORS & OMISSIONS INSURANCE POLICY 1. OPERATIVE CLAUSE: MEDICAL ESTABLISHMENT - PROFESSIONAL NEGLIGENCE ERRORS & OMISSIONS INSURANCE POLICY 1. OPERATIVE CLAUSE: WHEREAS the insured named in the Schedule hereto and carrying on the business/profession described

More information

properties Policy Summary

properties Policy Summary properties Policy Summary 2 Properties Policy Summary Properties Policy Summary Your RSA Properties Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.

More information

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE A Stock Insurance Company, herein called the Company PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE Various provisions in this policy restrict coverage. Please read the

More information

Liability Insurance Policy

Liability Insurance Policy Liability Insurance Policy 1 INTRODUCTION The INSURED has applied for this Insurance by completing a proposal form or a statement of fact and declaration which is the basis of this contract and is deemed

More information

Public and Products Liability Insurance for members of

Public and Products Liability Insurance for members of Public and Products Liability Insurance for members of Policy Document 1 st November 2015 to 31 st October 2016 insurance arranged by: Hencilla Canworth Limited, Simpson House, 6 Cherry Orchard Road, Croydon,

More information

International Motor Fleet Insurance

International Motor Fleet Insurance International Motor Fleet Insurance Master Policy Zurich Global Corporate UK Welcome to Zurich Thank you for taking insurance out with us and welcome to Zurich Global Corporate UK. As part of Zurich Financial

More information

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT

COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT COMMERCIAL GENERAL LIABILITY ENHANCEMENT ENDORSEMENT The Commercial General Liability Enhancement Endorsement is an optional endorsement that provides coverage enhancements. The following is a summary

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

MEDICAL MALPRACTICE. Policy Summary

MEDICAL MALPRACTICE. Policy Summary MEDICAL MALPRACTICE Policy Summary 2 Medical Malpractice Policy Summary MEDICAL MALPRACTICE Policy Summary This policy is an annually renewable Professional Indemnity insurance, underwritten by Royal &

More information

ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE

ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE ARIEL AIRPORT OWNERS AND OPERATORS LIABILITY INSURANCE The Insurers hereby agree to the extent and in the manner hereinafter provided, to pay on behalf of the Insured all sums which the Insured shall become

More information

Public Liability Takaful Plan. Terms & Conditions

Public Liability Takaful Plan. Terms & Conditions 1 Public Liability Takaful Plan Terms & Conditions 2 Dear Customer We are pleased to provide you with Public Liability Policy (hereon referred as Policy), which provides protection against unforeseen events

More information

PUBLIC LIABILITY INSURANCE ACT POLICY

PUBLIC LIABILITY INSURANCE ACT POLICY PUBLIC LIABILITY INSURANCE ACT POLICY 1. OPERATIVE CLAUSE Upon receipt of written proposal & declaration along with premium from the Insured (as named in the Schedule), SBI General Insurance Company Limited

More information

Resource Industry Liability Facility

Resource Industry Liability Facility Resource Industry Liability Facility RILF is underwritten by certain underwriters at Lloyd s. Public and Products Liability Insurance Policy Wording Index Page Operative Clause 3 Definitions & Meanings

More information

Excess Public Liability Policy

Excess Public Liability Policy DUAL Corporate Risks Limited on behalf of Aspen Insurance UK Limited Excess Public Liability Policy 15 th March 2014-28th February 2015 C 3 MASTER General Insuring Clause This Policy, the Proposal, the

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

Management liability - Employment practices liability Policy wording

Management liability - Employment practices liability Policy wording Special definitions for this section Benefits Claim Defence costs The General terms and conditions and the following terms and conditions all apply to this section. Any compensation awarded to an employee

More information

PUBLIC LIABILITY WORDING 1 RESOURCE INDUSTRY LIABILITY POLICY WORDING

PUBLIC LIABILITY WORDING 1 RESOURCE INDUSTRY LIABILITY POLICY WORDING PUBLIC LIABILITY WORDING 1 RESOURCE INDUSTRY LIABILITY POLICY WORDING Public and Products Liability Insurance Policy Wording TABLE OF CONTENTS 1. Operative Clause... 3 2. Indemnity to Others... 6 3A. Cross

More information

MOTOR TRADE INSURANCE POLICY

MOTOR TRADE INSURANCE POLICY MOTOR TRADE INSURANCE POLICY WHEREAS the Insured by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance

More information

The Solution for General Partnership Liability Coverage Part

The Solution for General Partnership Liability Coverage Part The Solution for General Partnership Liability Coverage Part In consideration of the payment of the premium and subject to the General Terms and Conditions, the Insurer and the Insureds agree as follows:

More information

MEDICAL MALPRACTICE INSURANCE

MEDICAL MALPRACTICE INSURANCE MEDICAL MALPRACTICE INSURANCE THIS IS A CLAIMS MADE AGGREGATE POLICY (WITH DEFENCE COSTS INCLUDED WITHIN THE LIMIT OF INDEMNITY) THE SCHEDULE Attaching to and forming part of Policy Number: Name of the

More information

Professional Liability

Professional Liability Professional Liability UK Accountants Errors & Omissions Minimum Terms Policy Wording 1. Policy Number: UK ACCOUNTANTS ERRORS & OMISSIONS INSURANCE POLICY SCHEDULE 2. Named Insured: 3. Address: 4. Aggregate

More information