AT HOME WITH BUSINESS INSURANCE

Transcription

1 BUSINESS FROM HOME INSURANCE POLICY BOOKLET AT HOME WITH BUSINESS INSURANCE

2 Free Busness Advce Servce Avalable 24 hours each day, 7 days every week, all year round These free helplnes are provded for Your use whlst Your Polcy s n force: Busness Legal Advce Helplne Unlmted access to a team of solctors and other legal experts, for 24 hours confdental legal advce and gudance on any commercal legal problem such as: employment VAT prosecuton contract dsputes landlord and tenant dsputes. Please note that advce on motorng matters s not avalable. Legal advce can only be offered n respect of matters subject to the laws of and wthn the jursdcton of courts or trbunals of: England Scotland Wales and Northern Ireland the Channel Islands and the Isle of Man any other member country of the European Unon Swtzerland and Norway. Ths helplne s provded on Our behalf by DAS Legal Expenses Insurance Company Lmted all calls are recorded. Busness Emergency Assstance Helplne Assstance n the event of an emergency affectng Your busness, such as: burst ppes or blocked drans causng floodng complete falure of the gas or electrcty supply serous damage to the roof escape of water or ol from the central heatng system. In the event of emergency assstance beng requred a reputable local contractor wll be contacted but You must pay any call-out or repar charges. One telephone call wll brng assstance usually wthn 2 hours. As the helplne s avalable 24 hours a day and seven days a week You may call at any tme. Please ensure Your Polcy Number s avalable when telephonng as ths wll be requested - ths appears on Your Schedule. Ths helplne s provded on Our behalf by DAS Legal Expenses Insurance Company Lmted all calls are recorded. Emergency Glazng & Securty Assstance Helplne In addton, replacement locks or emergency securty measures are also avalable. Provded the Damage s covered by Your Polcy, the cost wll be settled by Us drectly wth Our servce provders. If, however, the Polcy requres payment of the frst amount of any clam, or f You are V.A.T. regstered, Our servce provder wll nvoce You drect for ths amount. Note: Usng any other reparer wll not affect Your rght to clam. Ths helplne s provded on Our behalf by Glassolutons and calls may be recorded. Stress Counsellng Helplne A confdental counsellng servce for any employee (and ther famly) over the telephone, assstng ssues such as: Stress Relatonshp Depresson Bereavement Famly All calls wll be dealt wth n the strctest confdence and are not recorded Ths servce can also help wth: Onward referral to relevant voluntary, self help groups or professonal servces Avalablty of planned (weekly) telephone counsellng sessons, tme to sut caller Detals of face to face counsellors n Your area. Ths helplne s provded on Our behalf by DAS Legal Expenses Insurance Company Lmted, all calls are dealt wth n the strctest confdence and are not recorded. Health and Medcal Assstance Helplne Advce and assstance concernng: Exercse Informaton Sports njures Changng doctors Nutrton assessment Gvng up smokng Complmentary health Inoculatons Bespoke fact sheets can be Comprehensve doctor, clnc sent out f requested and treatment faclty database. Ths helplne s provded on Our behalf by DAS Legal Expenses Insurance Company Lmted, all calls are recorded. DAS wll not accept responsblty f the telephone helplne servces operated by them are unavalable for reasons they cannot control. Our glass replacement servce provdes an effcent replacement servce for fxed nternal and external glass 24 hours a day, throughout the year.

3 Attached Page What s n ths Booklet How to use Your Polcy Polcy Defntons General Condtons Clams Condtons General Exclusons Sectons of the Polcy Secton 1 Secton 2 Secton 3 Secton 4 Secton 5 Secton 6 Secton 7 Secton 8 Secton 9 Secton 10 Secton 11 Secton 12 Secton 13 Busness Contents Publc and Products Lablty Loss of Busness Money Personal Accdent (Assault) Busness Interrupton Goods n Transt Employers Lablty Specfed All Rsks The Structure Refrgerated Stock Busness Legal Expenses Personal Accdent Household Contents Optonal Extensons Endorsements Important Informaton

4 Busness from Home Insurance Polcy NIG polces are underwrtten by U K Insurance Lmted. Ths Polcy s subject to the terms and condtons for the Perod of Insurance shown n the Schedule and any subsequent perod for whch You shall pay and We agree to accept the premum. The statement of fact or proposal, ths polcy booklet and any nformaton suppled by You shall be ncorporated n the contract. 2 Busness from Home Insurance

5 How to Use Your Polcy Polcy Booklet How to Use Your Polcy Your Polcy Your Polcy contans detals of the extent of cover avalable to You, what s excluded from the cover and the condtons on whch the Polcy s ssued. We wsh to provde You wth a good standard of servce. To help Us acheve ths, t s mportant that You read ths polcy carefully. If t does not meet Your requrements, or You have any comment or query about the Polcy, please contact Us through Your nsurance advser or at the offce whch ssued Your polcy. Your Schedule Your schedule provdes detals of the nsurance protecton provded, the Sectons of the Polcy whch are operatve and the levels of cover You have. Please examne Your Schedule to ensure t meets Your requrements. Index Lnkng The Sum Insured by each tem of Sectons 1, 8, 9 and 13 are ndex lnked as a protecton aganst nflaton and at each renewal the premum wll be revsed n accordance wth the ndex adopted by Us. Index lnkng wll help to ensure that sums nsured stay more n lne wth ncreasng costs and prces. However, ths s dependent on the sums nsured at ncepton beng adequate. Please check these to ensure they are adequate and advse Us f any alteraton s requred. Usng the Free Busness Advce Servce Detals of Our helplnes are provded on the nsde front cover of ths Polcy Booklet. Makng a Clam To make a clam, frst read the Polcy and Schedule and check that You are covered. Then follow the nstructons provded under Clams Condtons A - Makng a Clam. You should ask Your nsurance advser for a clam form and let Us have as much nformaton as soon as possble to help Us deal wth Your clam promptly and farly. If You are dssatsfed wth the way n whch a clam or any other matter has been dealt wth, please refer to Important Informaton at the back of ths Polcy Booklet. Busness from Home Insurance 3

6 Polcy Booklet Polcy Defntons Polcy Defntons Certan words and expressons n ths Polcy are defned to have a partcular meanng. These have the same meanng wherever they appear n the Polcy, and are defned below. Other Defntons have meanngs partcular to the Sectons, Endorsements and/or Extensons n whch they appear, and are defned n the approprate Sectons, Endorsements and/or Extensons. All Defntons start n the Polcy wth a captal letter wherever they appear to help You dentfy them. Busness The Busness as shown n the Schedule and no other for the purposes of ths Polcy. Busness Porton That porton of the Premses used for the Busness ncludng portons also used partly for domestc purposes and detached outbuldngs used wholly or partly for the Busness. Excess The frst amount of each and every clam for whch You shall be responsble. Damage Loss, destructon or damage. Home The porton of the Premses used as prvate dwellng ncludng the porton used for the dual purpose of prvate dwellng and n connecton wth the Busness. Index Lnkng Whenever any property nsured s declared to be subject to Index Lnkng the approprate Sum Insured s adjusted at monthly ntervals n accordance wth the percentage change of the followng ndces: 1 In respect of All Other Contents and Computer Equpment - the Durable Goods Secton of the Retal Prces Index. 2 In respect of Tenants Improvements and Buldngs nsured by Secton 9 (when operatve) - the General Buldng Cost Informaton Servce. At each renewal of the Polcy the Premum wll be adjusted to apply to the amended Sum Insured whch then pertans and We wave all rghts to addtonal premum arsng solely out of such ndex adjustments pror to renewal. We reserve the rght to use alternatve sutable ndces to those mentoned at any tme wthout pror notce f ether ndex becomes unavalable or napproprate. Injury Bodly njury, death, llness, dsease or shock. Perod of Insurance The perod begnnng wth the Effectve Date shown n the Schedule and endng wth the Expry Date and any other perod for whch We accept Your Premum. Premses The prvate dwellng, ncludng the Busness Porton, at the address shown n the Schedule, and any outbuldngs and garages on the same ste. (Unless otherwse stated n the Schedule the buldng of the Busness Porton s bult of brck, stone or concrete and roofed wth slates, tles, metal, concrete, asphalt or other ncombustble materals (wth the excepton of small outbuldngs and flat roofs) Proposal Any sgned proposal, declaraton or other nformaton suppled to Us by You or on Your behalf. Schedule The schedule applcable to the Polcy. Sum Insured The sum nsured as set out n the Schedule. Unted Kngdom Great Brtan, Northern Ireland, Channel Islands and the Isle of Man. Unoccuped or Unfurnshed Unoccuped means the Home not havng been normally occuped for domestc purposes for more than 30 consecutve days; Unfurnshed means the Home beng nsuffcently furnshed for full occupaton. We/Us/Our U K Insurance Lmted tradng as NIG and/or such other authorsed Insurer as U K Insurance Lmted may contract to underwrte any part of ths Polcy. You/Your Insured Name n the Schedule. 4 Busness from Home Insurance

7 General Condtons Polcy Booklet General Condtons Not Applcable to Secton 11 1 Observance of Condtons Your due observance and fulflment of the terms and condtons of ths Polcy shall be condtons precedent to Our lablty to make any payment under ths Polcy. 2 Polcy Vodable Ths Polcy shall be vodable n the event of msrepresentaton msdescrpton or non-dsclosure n any materal partcular. 3 Reasonable Precautons You must: a take all reasonable precautons to prevent or mnmse Damage accdent or Injury b mantan the Premses machnery equpment and furnshngs n a good state of repar c exercse care n the selecton and supervson of Employees d comply wth all relevant statutory requrements manufacturer s recommendatons and other regulatons relatng to the use nspecton and safety of property and the safety of persons. 4 Change of Rsk We shall not be lable to make any payment under ths Polcy f: a any change shall be made n the Premses the Busness or the occupancy or dutes of the Person Insured whereby the rsk of Damage accdent or Injury s ncreased, or b Your nterest ceases (unless the cessaton s brought about by wll or operaton of law) except where such alteraton be notfed to and accepted by Us. 5 Cancellaton a. Your Cancellaton Rghts Your Polcy may be cancelled by You wthn 14 days of recept of Your Polcy (ths s known as the coolng off perod). If You elect to cancel wthn ths perod You should return all documents to Your broker, ntermedary or agent and We wll pay a refund of premum for the full amount pad to You. If a clam has been made or an ncdent advsed that could gve rse to a clam durng the coolng off perod Your Polcy wll be treated by Us as n force and no refund of premum wll be made. If You elect to cancel Your Polcy after the coolng off perod has expred but stll durng any Perod of Insurance You must gve 14 days notce n wrtng to Your broker, ntermedary or agent. You wll be enttled to a proportonate refund of premum, based on the number of days remanng n the Polcy perod, unless a clam has been made (or an ncdent advsed that could gve rse to a clam) durng the Perod of Insurance when no refund of premum for the Perod of Insurance wll be made. Where You pay by Instalments any amount of premum returned under ths condton wll be reduced by any unpad premums or nstalments due at the tme of cancellaton. b Our Cancellaton Rghts We may cancel Your Polcy (or any Secton of t) at any tme and n any Perod of Insurance by gvng a mnmum of 14 days notce to You n wrtng at Your last known address. You wll be enttled to a proportonate refund of premum, based on the number of days remanng n the Polcy perod, unless a clam has been made (or an ncdent advsed that could gve rse to a clam) durng the Perod of Insurance when no refund of premum wll be made. Where You pay by Instalments any amount of premum refunded under ths condton wll be reduced by any unpad premums or nstalments due at the tme of cancellaton. In relaton to cancellaton n any of the crcumstances outlned above You shall mmedately return to Us any effectve Employers Lablty Certfcate(s) of Insurance. 6 Instalments Where the premum under ths Polcy s payable by nstalments t s a condton precedent to Our lablty that each nstalment shall be pad when due otherwse all beneft under the Polcy shall be forfeted and the Polcy shall be cancelled from the date when any unpad nstalment was due and You shall surrender forthwth to Us any effectve Certfcate(s) of Insurance. Busness from Home Insurance 5

8 Polcy Booklet General Condtons 7 Mnmum Protectons It s a condton precedent to Our lablty, unless otherwse agreed by Us n wrtng that the followng protectons be ftted to the under-mentoned doors and wndows (where these are under Your control) and put nto full and effectve operaton when: both the Home and Busness Porton are left unattended any Busness Porton whch has ts own separate external entrance door (whether such porton s detached from or ntegral to the man buldng of the Premses) s left unattended. 1 on tmber external doors: a f sngle leaf, a fve lever mortce deadlock conformng to BS3621 b f double leaf on the frst closng leaf flush or barrel bolts ftted top and bottom n every case on the second closng leaf a fve lever mortce deadlock conformng to BS3621 or a padlockng bar and close shackle padlock 2 on metal external doors: a f sngle leaf, a cylnder lock b f double leaf on the frst closng leaf flush or barrel bolts ftted top and bottom n every case on the second closng leaf a cylnder lock or a padlockng bar and close shackle padlock 3 on glass external doors: a f sngle leaf, an ntegral mortce lock ftted ether top and bottom or n the centre securng the door to the frame b f double leaf on the frst closng leaf flush or barrel bolts ftted top and bottom n every case on the second closng leaf an ntegral mortce lock ftted ether top and bottom or n the centre securng the door to the frame or a padlockng bar and close shackle padlock 4 on sldng pato external doors: a f sngle leaf, key-operated lockng securty locks to the top and bottom of the frame b f double leaf on the frst closng leaf flush or barrel bolts ftted top and bottom n every case on the second closng leaf key-operated lockng securty locks to the top and bottom of the frame or a padlockng bar and close shackle padlock 5 on garage and up and over external doors: a f sngle leaf, padlocks ftted nternally to holes drlled n each of the door runners or 5 lever close shackle padlock and hasp and staple bolted nto the ground b f double leaf on the frst closng leaf flush or barrel bolts ftted top and bottom n every case on the second closng leaf padlocks ftted nternally to holes drlled n each of the door runners or 5 lever close shackle padlock and hasp and staple bolted nto the ground or a padlockng bar and close shackle padlock 6 on alumnum or UPVC external doors (excludng sldng pato doors and fre ext doors): a cylnder operated mortce deadlock and, f double leaf, flush bolts or a second cylnder mortce deadlock on the frst closng leaf 7 on fre ext doors: panc bar, and hnge bolts ftted top and bottom 8 on openng basement and ground floor wndows, and on other accessble wndows orgnally constructed to open : key-operated wndow locks or sold bars not less than 16mm (5/8 ) dameter and not more than 125mm (5 ) apart, from the centre of one bar to the next securely fxed to the brckwork or masonry surroundng the wndow 8 Choce of Law Under European Law, you and we may choose whch law wll apply to ths contract. Englsh Law wll apply unless both partes agree otherwse. We have suppled ths Agreement and other nformaton to you n Englsh and we wll contnue to communcate wth you n Englsh. 6 Busness from Home Insurance

9 General Condtons Polcy Booklet 9 Interest Clause The nterests of thrd partes whch You are requred to nclude on ths Polcy under the terms of any mortgage, property lease, or hrng, leasng or hre purchase agreement are automatcally noted subject to You advsng Us as soon as s reasonably practcable. 10 Contracts (Rghts of Thrd Partes) Act 1999 A person or company who was not a party to ths Polcy has no rght under the Contracts (Rghts of Thrd Partes) Act 1999 to enforce any term of ths Polcy but ths does not affect any rght or remedy of a thrd party whch exsts or s avalable apart from that Act. 11 Changes to Your cover You must tell Us mmedately f there are any changes that may affect Your nsurance, such as the followng: If You change the address where Your Busness s located If Your sums nsured change We may then reassess Your cover and premum ether mmedately or at Your next renewal, dependng on the nformaton You have provded. Note: the lst above does not set out all changes You must tell Us about. If You are not sure whether a change may affect Your cover, contact Your broker, ntermedary or agent. 12 No Clam Dscount If You do not make a clam aganst Your Polcy, We wll gve You a no clam dscount and may reduce Your renewal premum. However, f You do make a clam aganst Your Polcy, We wll reduce Your no clams dscount. Busness from Home Insurance 7

10 Polcy Booklet Clams Condtons Clams Condtons Not Applcable to Secton 11 A Makng a Clam On the happenng of any event whch could gve rse to a clam under ths Polcy You shall: 1 mmedately notfy Us and delver to Us at Your own expense a clam n wrtng wth such detaled partculars and proofs as may be reasonably requred and (f demanded) a statutory declaraton of the truth of the clam and any matters connected therewth wthn: 7 days of the event n the case of Damage caused by Rot Cvl Commoton Strkes Labour Dsturbances or Malcous Persons 30 days of the expry of the Indemnty Perod n respect of Busness Interrupton clams 30 days of the event n the case of any other clam or such further tme as We may allow 2 gve mmedate notce to the Polce n respect of: Damage by theft or any attempt thereat loss of Money by any cause whatsoever Damage by malcous persons 3 make no admsson of lablty or offer promse or payment wthout Our wrtten consent 4 nform Us mmedately of any mpendng prosecuton nquest or fatal nqury or cvl proceedngs and send to Us mmedately every relevant document 5 take all reasonable acton to mnmse or check any nterrupton of or nterference wth the Busness 6 produce to Us such books of account or other busness books or documents or such other proofs as may reasonably be requred by Us for nvestgatng or verfyng the clam 7 n respect of Secton 4 and Secton 12 supply at Your own expense all certfcates and nformaton and evdence requred by Us and the Person Insured shall as often as requred by Us submt to medcal examnaton at Our own expense. B Control of Clams We shall be enttled: 1 on the happenng of Damage to the property nsured to enter take and keep possesson of any buldng where Damage has happened and to take and keep possesson of the property nsured and to deal wth the salvage n a reasonable manner wthout thereby ncurrng any lablty and wthout dmnshng Our rght to rely on any condtons of ths Polcy and ths Polcy shall be proof of leave and lcence for such purpose 2 at Our dscreton to take over and conduct n Your name the defence or settlement of any clam and to take proceedngs at Our own expense and for Our own beneft but n Your name to recover compensaton or secure ndemnty from any thrd party n respect of any event nsured by ths Polcy and You shall gve all nformaton and assstance requred 3 to any property for the loss of whch a clam s pad hereunder and You shall execute all such assgnments and assurances of such property as may be reasonably requred but You shall not be enttled to abandon any property to Us 4 to pay to You the maxmum sum payable under Secton 2 and Secton 7 (f operatve) n respect of any Occurrence or any lesser sum for whch the clam or clams arsng from such Occurrence can be settled and We shall not be under any further lablty n respect of that Occurrence except for the payment of costs and expenses of ltgaton ncurred pror to such payment 5 n the case of death of the Person Insured by Secton 4 and Secton 12 to have a post-mortem examnaton at Our own expense. C Fraudulent Clams If any clam upon ths Polcy be n any respect fraudulent or f any fraudulent means or devces be used by You or anyone actng on Your behalf to obtan any beneft under ths Polcy or f any Damage be occasoned by Your wlful act or wth Your connvance all beneft under ths Polcy shall be forfeted. D Other Insurances If at the tme of any Damage, ncdent or Occurrences (as defned n Secton 2 and Secton 7 of ths Polcy) whch gves rse to a clam there be any other nsurance or ndemnty effected by You or on Your behalf applcable to such event Our lablty shall be lmted to ts rateable proporton. If any other such nsurance or ndemnty s subject to any provson whereby t s excluded from rankng concurrently wth ths Polcy whether n whole or n part or from contrbutng rateably then Our lablty shall be lmted n respect of any Damage or Occurrence to any excess beyond the amount whch would be payable under such other nsurance or ndemnty had ths Polcy not been effected. 8 Busness from Home Insurance

11 Clams Condtons Polcy Booklet E Arbtraton If any dfference shall arse as to the amount to be pad under ths Polcy (lablty beng otherwse admtted) such dfference shall be referred to an Arbtrator to be apponted by the partes n accordance wth the current Statutory provsons. Where any dfference s by ths Condton to be referred to arbtraton the makng of an Award shall be a condton precedent of any rght of acton aganst Us. F Excesses If We agree to ndemnfy You under both Sectons 1 and 9 of ths Polcy as a result of the happenng of a sngle event and f an Excess apples under both these Sectons then only one Excess beng the hgher of those whch would have appled separately under each Secton wll be deducted from the total clam payment. G Warrantes and Condtons Precedent Every warranty or condton precedent to whch ths Polcy or any Secton or Item thereof s or may be made subject shall from the tme the warranty or condton precedent attaches apply and contnue to be n force durng the whole currency of ths Polcy. Non-complance wth any such warranty or condton precedent nsofar as t ncreases the rsk of Damage shall be a bar to any clam n respect of such Damage provded that whenever ths Polcy s renewed a clam n respect of such Damage occurrng durng the Perod of Insurance shall not be barred by reason of a warranty or condton precedent not havng been compled wth at any tme before the commencement of such perod. Busness from Home Insurance 9

12 Polcy Booklet General Exclusons General Exclusons Ths Polcy does not cover: 1 Radoactve Contamnaton Damage to any property whatsoever or any loss or expense whatsoever resultng or arsng therefrom or any other costs drectly or ndrectly caused by such Damage, or any legal lablty of whatsoever nature drectly or ndrectly caused by or contrbuted to by or arsng from a onsng radatons or contamnaton by radoactvty from any nuclear fuel or from any nuclear waste from the combuston of nuclear fuel b the radoactve, toxc, explosve or other hazardous propertes of any explosve nuclear assembly or nuclear component thereof Note: As far as concerns Injury caused to any of Your Employees f such Injury arses out of and n the course of employment or engagement of such person by You ths Excluson shall apply only n respect of the lablty of any Prncpal lablty assumed by You under agreement and whch would not have attached n the absence of such agreement. 2 War Government Acton and Terrorsm a Damage to any property whatsoever or any loss or expense whatsoever resultng or arsng therefrom or any other costs drectly or ndrectly caused by or contrbuted to by or arsng from War Government Acton or Terrorsm cvl commoton n Northern Ireland b legal lablty of whatsoever nature or any costs or expenses whatsoever drectly or ndrectly caused by or contrbuted to by or arsng from War Government Acton or Terrorsm except to the extent stated n the Lablty Provsons For the purpose of ths Excluson and ts Lablty Provsons: War shall mean war, nvason, acts of foregn enemes, hostltes or warlke operatons (whether war be declared or not), cvl war, mutny, cvl commoton assumng the proportons of or amountng to popular rsng, mltary rsng, nsurrecton, rebellon, revoluton, or mltary or usurped power Government Acton shall mean martal law, confscaton, natonalsaton, requston or destructon of property by or under the order of any government or publc or local authorty or any acton taken n controllng preventng suppressng or n any way relatng to War Terrorsm shall mean acts of persons actng on behalf of, or n connecton wth, any organsaton whch carres out actvtes drected towards the overthrowng or nfluencng, by force or volence, of Her Majesty s government n the Unted Kngdom or any other government de jure or de facto In any acton sut or other proceedngs where We allege that by reason of ths Excluson as far as t relates to Terrorsm any Damage or resultng loss or expense or other costs drectly or ndrectly caused by such event s not covered by ths nsurance the burden of provng that such Damage loss or expense s covered shall be upon You. The Structure Secton Provson Terrorsm Subject otherwse to the terms defntons exclusons exceptons provsons and condtons of the Polcy ths nsurance ncludes Damage by any nsured Contngency to the property nsured under the The Structure Secton of ths Polcy (other than property not nsured n the name of a prvate ndvdual) occasoned by or happenng through or n consequence of Terrorsm as defned above other than such Damage drectly or ndrectly caused by or contrbuted to by or arsng from 1 any chemcal bologcal or bo-chemcal weapon 2 the use or threat of use of any nuclear devce or radoactve substance. Lablty Provsons Subject otherwse to the terms defntons exclusons exceptons provsons and condtons of ths Polcy 1 We wll ndemnfy You under the Employers Lablty Secton provded that n respect of any one event or all events of a seres consequent on one orgnal cause Our lablty n respect of all legal lablty costs and expenses drectly or ndrectly caused by or contrbuted to by or arsng from Terrorsm shall not exceed 5,000,000 2 We wll ndemnfy You under the Publc and Products Lablty Secton aganst legal lablty costs and expenses drectly or ndrectly caused by or contrbuted to by or arsng from Terrorsm provded that Our lablty for all damages (ncludng nterest thereon) shall not exceed a n respect of any one Occurrence or seres of Occurrences not caused by Insured Products arsng out of one event 2,000,000 or the amount shown aganst the Indemnty Lmt stated n the Schedule whchever s the lower 10 Busness from Home Insurance

13 General Exclusons Polcy Booklet b n respect of any one Occurrence or seres of Occurrences caused by Insured Products n any one Perod of Insurance 2,000,000 or the amount shown aganst the Indemnty Lmt stated n the Schedule whchever s the lower c n respect of all Polluton or Contamnaton consequent upon Terrorsm and whch s deemed to have occurred durng any one Perod of Insurance 2,000,000 or the amount shown aganst the Indemnty Lmt stated n the Schedule whchever s the lower n the aggregate. 3 Polluton and Contamnaton (Applcable to Sectons 1, 5 and 9) Damage or Loss of Gross Income caused by or arsng from polluton or contamnaton except (unless otherwse excluded) Damage to the Property nsured caused by: a polluton or contamnaton whch tself results from fre lghtnng exploson arcraft or other aeral devces or artcles dropped from them rot cvl commoton strkers locked-out workers persons takng part n labour dsturbances malcous persons other than theves earthquake storm flood escape of water from any tank apparatus or ppe theft or mpact by any vehcle or anmal. b any of the Contngences n a above whch tself results from polluton or contamnaton. 4 Date Recognton Damage accdent or lablty drectly or ndrectly caused by or consstng of or arsng from the falure of any computer data processng equpment or meda mcrochp ntegrated crcut or smlar devce or other equpment or system for processng storng or recevng data or any computer software, whether Your property or not, and whether occurrng before, durng or after the year a correctly to recognse any date as ts true calendar date; b to capture save or retan and/or correctly to manpulate, nterpret or process any data or nformaton or command or nstructon as a result of treatng any date otherwse than as ts true calendar date; c to capture save retan or correctly to process any data as a result of the operaton of any command whch has been programmed nto any computer software beng a command whch causes the loss of data or the nablty to capture save retan or to correctly process such data on or after any date. In respect of Secton 1 - Busness Contents, Secton 3 Busness Money, Secton 5 - Busness Interrupton, Secton 8 Specfed All Rsks and Secton 9 - The Structure, ths Excluson shall not exclude subsequent Damage not otherwse excluded whch tself results from fre lghtnng exploson arcraft or other aeral devces or artcles dropped from them rot cvl commoton strkers locked-out workers persons takng part n labour dsturbances malcous persons other than theves earthquake storm flood escape of water from any tank apparatus or ppe theft or mpact by any vehcle or anmal. 5 Date Recognton Computer Equpment The expected cost whch would have been ncurred n modfyng any computer data processng equpment or meda mcrochp ntegrated crcut or smlar devce or other equpment or system for processng storng or recevng data or any computer software so as to be able correctly to recognse save retan manpulate nterpret or process any date after December 31st 1999 where such computer or other property s unable to do so at the tme of any Damage nsured by ths Polcy. Note: General Excluson 5 shall not apply to Secton 7 Employers Lablty 6 Computer Vrus and Hackng a Damage to any computer or other equpment or component or system or tem whch processes stores transmts or retreves data or any part thereof whether tangble or ntangble (ncludng but wthout lmtaton any nformaton or programs or software) and whether Your Property or not where such Damage s caused by Vrus or Smlar Mechansm or Hackng b fnancal loss drectly or ndrectly caused by or arsng from Vrus or Smlar Mechansm or Hackng but ths shall not exclude Damage or fnancal loss whch s not otherwse excluded from ths Polcy and whch results from fre lghtnng exploson earthquake arcraft or other aeral devces or artcles dropped from them rot cvl commoton strkes labour dsturbances malcous persons (ncludng the acts of theves but excludng the acts of malcous persons whch do not nvolve physcal force or volence) storm flood escape of water or ol from any tank apparatus or ppe mpact by any vehcle or anmal. Busness from Home Insurance 11

14 Polcy Booklet General Exclusons For the purpose of ths Excluson: Vrus or Smlar Mechansm shall mean program code programmng nstructon or any set of nstructons ntentonally constructed wth the ablty to damage nterfere wth or otherwse adversely affect computer programs data fles or operatons whether nvolvng selfreplcaton or not. The defnton of Vrus or Smlar Mechansm ncludes but s not lmted to trojan horses worms and logc bombs Hackng shall mean unauthorsed access to any computer or other equpment or component or system or tem whch processes stores transmts or retreves data whether Your Property or not Note: General Excluson 6 shall not apply to Secton 2 Publc and Products Lablty and Secton 7 Employers Lablty. 7 Sonc Bangs Damage accdent or lablty caused by or happenng through pressure waves caused by arcraft and other aeral devces travellng at sonc or supersonc speeds. 8 Wlful Acts Damage accdent or lablty caused by or happenng through the wlful or malcous act of You or any person ndemnfed by ths Polcy. 9 Contractual Lablty Lablty assumed by You under any agreement whch but for the exstence of such agreement would not have attached to You other than any warranty on goods mpled by law or by vrtue of any agreement wth any local or dstrct authorty n connecton wth erected sgns. 10 Personal Legal Lablty Loss or damage to property or lablty n connecton wth the occupaton or use of the Premses as a prvate dwellng or any personal legal lablty not n connecton wth Your the Busness or Your famly. 12 Busness from Home Insurance

15 Secton 1 Busness Contents Polcy Booklet Secton 1 Busness Contents Defntons Busness Contents All Other Contents, Computer Equpment, Wnes and Sprts and All Other Stock All Other Contents All Other Contents (other than Computer Equpment, Wnes and Sprts and All Other Stock), belongng to You or for whch You are responsble n connecton wth the Busness ncludng: a vendng machnes offce furnture, fxtures and fttngs (ncludng fxed glass theren), tools, equpment, utensls, securty systems (ncludng that part n the prvate dwellng porton where a system apples to both the Home and Busness Porton), and all other contents Your property or property for whch You are responsble. b the personal property of Employees or vstors to the Premses for an amount not exceedng 100 n respect of the property of any one person. but excludng: the contents and /or cash n vendng machnes portable computers money, gold and slver artcles and jewellery, precous stones, furs, deeds, documents and travel tckets unless specfcally mentoned n the Schedule the personal property of Employees or vstors to the Premses v any other property separately descrbed n the Schedule or whch s more specfcally nsured. Computer Equpment Computers, software and ancllary equpment other than portable computers belongng to You or for whch You are responsble beng used n connecton wth or for the purposes of the Busness. Wnes and Sprts Wnes and Sprts belongng to You or held n trust or on commsson for whch You are responsble. All Other Stock Stock, work n progress and fnshed goods Your property or held n trust for whch they are responsble other than Wnes and Sprts. Cover We wll Indemnfy You n the event of Damage to the tems descrbed n the Schedule whlst n the Busness Porton or Home caused by any of the followng Contngences: Contngences 1 Fre (ncludng subterranean fre), exploson, lghtnng or earthquake. 2 Storm or flood excludng: a Damage caused by frost, subsdence, ground heave or landslp b Damage to moveable property n the open. 3 Escape of water from any tank apparatus or ppe excludng Damage to Busness Contents when the Home s Unoccuped or Unfurnshed. 4 Rot, cvl commoton, labour and poltcal dsturbances and strkes. 5 Malcous damage excludng a Damage by a person lawfully n or on the Premses b Damage when the man buldng of the Home s Unoccuped or Unfurnshed. 6 Impact wth the Premses by arcraft or other aeral devces or anythng dropped from them, vehcles, trans, anmals, fallng trees or branches, fallng aerals or masts. 7 Theft or any attempted theft excludng: a Damage when the Home s Unoccuped or Unfurnshed b Damage unless nvolvng forcble and volent entry to or ext from the Premses when: any part of the Premses s lent, let or sub-let by You both the Home and Busness Porton are left unattended any Busness Porton whch has ts own separate external entrance door (whether such Busness Porton s detached from or ntegral to the man buldng of the Premses) s left unattended c Damage caused by You or any member of Your famly or any Employee d loss by decepton unless decepton s only used to gan entry to the Premses e Damage to property n the open 8 Theft by volence or threat of volence to You, Your famly or Employees. 9 Escape of ol from any fxed heatng nstallaton. Busness from Home Insurance 13

16 Polcy Booklet Secton 1 Busness Contents Exclusons We shall not be lable under ths Secton for: a any property nsured under Secton 8 of ths Polcy. b Damage by Contngences 2 and 3 n respect of Computer Equpment, Wnes and Sprts and All Other Stock n any porton of the Premses below street level unless such property s on racks or shelves at least 4 nches off the floor level or are n watertght contaners; c the dstorton, corrupton, erasure or dsturbance of electronc records, programmes or software; d any amount n excess of 250 n respect of any sngle lvng anmal formng part of All Other Stock. Extensons A Removal of Documents The nsurance provded for All Other Contents extends to cover Damage caused by the Contngences to busness books, books of account, manuscrpts, plans, desgns and other documents, photographs, photographc negatves, vdeo and audo tapes, and computer systems records whlst: a temporarly at any premses not n Your occupaton; b stored for safekeepng at any bank, safety depost or premses of Your professonal advsers; c n transt by road, ral or nland waterway. provded that such property: remans wthn the Unted Kngdom; s not otherwse nsured; and Our lablty under ths Extenson shall not exceed 1,000 for any one loss. B Sgns We wll ndemnfy You for accdental Damage to external advertsng or name sgns attached to a buldng at the Premses up to a maxmum amount of 500 n any one Perod of Insurance. C Breakage of Glass and Santary Ware (Busness Porton) Ths Secton extends to ndemnfy You for accdental breakage of glass n doors and wndows, and snks, wash basns and other santary ware n the Busness Porton for whch the cost of repar or replacement s Your responsblty and whch s not more specfcally nsured by a separate buldngs nsurance polcy, provded that such replacement or repar shall be to a qualty and functonalty substantally smlar to that of the damaged tems as far as s reasonably possble at the tme. Ths Extenson wll also ndemnfy You aganst: the cost of boardng up the aperture pendng glass replacement for whch ndemnty s provded above; damage to the Busness Contents caused by the glass breakage up to a lmt of 250. Excludng n respect of ths Extenson: a damage when the man buldng of the Home s Unoccuped or Unfurnshed; b breakage of any pane(s) whch were cracked or fractured pror to the ncepton of ths Polcy. D Vctm Counsellng If You (or any of Your Employees, f Secton 7 Employers Lablty s operatve) suffer emotonal stress as a result of an event nsured by ths Secton We wll pay the cost of any professonal counsellng whch s recommended by a qualfed medcal practtoner and whch s approved by Us before any costs are ncurred, but excludng any amounts exceedng 1,000 n total for any one event. E Outsde Caterng We wll ndemnfy You aganst Damage to Busness Contents (other than Computer Equpment) caused by any of the Contngences occurrng n any buldng anywhere n the Unted Kngdom where You have provded caterng facltes n connecton wth a functon n pursuance of Your Busness up to an amount not exceedng 1,000. F Theft of Keys We wll ndemnfy You n respect of the replacement of locks followng the theft of keys for the buldngs, ntruder alarm or safe or strongroom of the Premses whlst n the Premses or the prvate dwellng of any authorsed Employee, up to a maxmum of 1, Busness from Home Insurance

17 Secton 1 Busness Contents Polcy Booklet G Theft Damage to Buldngs The ndemnty provded by Contngency No 7 extends to nclude Damage done to the buldngs of the Busness Porton for whch the cost of repar or replacement s Your responsblty and whch s not more specfcally nsured by a separate buldngs nsurance polcy or by Secton 9 of ths Polcy. H Temporary Change of Address I If Damage nsured by ths Secton s suffcently serous to make t necessary to temporarly relocate the Busness to alternatve accommodaton (wth Our pror consent) then We wll prnt and despatch up to 500 change of address notfcatons at Our own expense on Your behalf, subject to You supplyng Us wth a lst of names and addresses of the ntended recpents. The desgn and style of such notfcaton to be entrely at Our dscreton. Removal of Debrs The cost of clearng Busness Contents debrs as a result of Damage caused by any of the Contngences nsured by ths Secton up to a lmt of 20% of the total sum nsured by ths Secton. Specal Condtons 1 Index Lnkng The Sums Insured by each tem of Secton 1 of the Schedule s subject to Index Lnkng. 2 Lmt of Lablty The maxmum amount payable n respect of any tem nsured under ths Secton s the Sum Insured stated n the Schedule for each tem plus Index Lnkng. 3 Bass of Clams Settlement The bass of clams settlement under ths Secton s: a for all tems totally lost or destroyed (other than Wnes and Sprts and All Other Stock, busness books, books of account, manuscrpts, plans, desgns and other documents, photographs, photographc negatves, vdeo and audo tapes, computer systems records, lnen, towels and clothng) no deducton for wear and tear and deprecaton wll be made provded that: replacement of such tems takes place wthout delay, and the relevant sum nsured s adequate to pay for the replacement of all the property; b for lnen, towels and clothng whch are totally lost or destroyed a deducton for wear and tear and deprecaton wll be made; c n respect of busness books, books of account, manuscrpts, plans, desgns and other documents, photographs, photographc negatves, vdeo and audo tapes, and computer systems records, Your property, the amount payable s the cost of the materals, computer tme and clercal labour expended n rewrtng and reasonable costs of research of the nformaton contaned theren but not for the value to You of the nformaton; d for Wnes and Sprts and All Other Stock other than for property held n Your trust totally lost or destroyed the amount payable s the cost of the materals and goods ncludng the cost of work n progress ncurred up to the date of the loss; e for property held n Your trust whch are totally lost or destroyed the amount payable s: f n respect of busness books, books of account, manuscrpts, plans, desgns and other documents, photographs, photographc negatves, vdeo and audo tapes, and computer systems records, the cost of the materals, computer tme and clercal labour expended n rewrtng and reasonable costs of research of the nformaton contaned theren but not for the value to You or the relevant customer of the nformaton; n respect of other tems, ther market value; for tems whch are not totally lost or destroyed, the cost of repar. In all cases replacement or repar shall be to a qualty and functonalty substantally smlar to that of the tems lost damaged or destroyed as far as s reasonably possble at the tme. If the Sum Insured by any tem of ths Secton s nadequate at the tme of the loss then You shall be consdered as Your own nsurer for the dfference and shall bear a rateable share of the loss accordngly. Busness from Home Insurance 15

18 Polcy Booklet Secton 1 Busness Contents 4 Automatc Renstatement of Loss In the event of Damage under ths Secton We shall automatcally renstate the relevant Sum Insured unless there s wrtten notce to You by Us to the contrary. Provded that You undertake to pay the approprate addtonal premum; You shall take mmedate steps to carry out any rsk mprovements alteratons to the Premses whch We may requre. 5 Stock Records It s a condton of ths Secton that You keep full records of all stock purchases and sales and that such records be ether: kept n a fre resstant cabnet when not n use, or at a locaton elsewhere than the Premses n order to assst wth the substantaton of any clam under ths Secton. 6 Excess We shall not be lable under ths Secton for the amount stated aganst the Excess n the Schedule. 7 Flat Roof Condton a Any flat porton of the roof s to be nspected once every 2 years by a competent roofng contractor and any recommendatons mplemented b We shall not be lable for the frst 500 for each and every clam attrbutable to Storm arsng from that part of the buldng wth a flat roof. 16 Busness from Home Insurance

19 Secton 2 Publc and Products Lablty Polcy Booklet Secton 2 Publc and Products Lablty Defntons Employee Any person whle workng for You n connecton wth the Busness who s: a under a contract of servce or apprentceshp wth You b a person under a contract of servce or apprentceshp wth some other employer and who s hred to or borrowed by You c a labour master or person suppled by hm d a person engaged by a labour only sub-contractor e a self-employed person performng work under a smlar degree of control and drecton by You as a person under a contract of servce or apprentceshp wth You f a drver or operator of hred-n plant g a tranee or person undergong work experence h a voluntary helper. Busness The Busness as shown n the Schedule shall nclude: a the ownershp, repar, mantenance and decoraton of the Premses b prvate work undertaken wth Your consent by any of Your Employees for Your drectors, partners or senor Employees; c the provson and management of canteen sports socal and welfare organsatons and frst ad, medcal and ambulance servces for the beneft of Your Employees. d fre and securty servces mantaned solely for the protecton of the Premses. Craft Craft shall mean any craft or thng made or ntended to float on or through water, ar or space. Insured Products a goods manufactured, sold, suppled (ncludng any contaners), repared, renovated, servced, altered, erected, nstalled or treated; b work or servces provded wthn the Unted Kngdom by or on Your behalf n connecton wth the Busness. Terrtoral Lmts a anywhere wthn the Unted Kngdom other than offshore nstallatons, or any other premses occuped or owned by You. b travel elsewhere n the World by any of Your drectors, partners or Employees normally resdent n any of the terrtores stated n a above provded any work outsde such terrtores s restrcted to commercal, secretaral or admnstratve dutes. Occurrences We wll ndemnfy You for all sums whch You shall become legally lable to pay as damages and clamants costs and expenses n respect of accdental: a Injury to any person b Damage to materal property c nusance, trespass, obstructon, loss of amentes or nterference wth any rght of way, lght, ar or water d wrongful arrest, detenton, mprsonment or evcton of any person or nvason of the rght of prvacy occurrng durng the Perod of Insurance and wthn the Terrtoral Lmts, and happenng n connecton wth the Busness, ncludng where caused by the Insured Products. Indemnty Lmt Our lablty for all damages payable under ths Secton and Extenson B of Secton 9 The Structure of ths Polcy (f operatve) to any clamant or number of clamants as a result of any one occurrence or all occurrences of a seres consequent upon or attrbutable to one source or orgnal cause shall not exceed the Indemnty Lmt stated n the Schedule but the Indemnty Lmt shall be the maxmum amount payable n any one Perod of Insurance n respect of lablty arsng from the Insured Products. Costs We wll n addton 1 pay all costs and expenses ncurred wth Our wrtten consent n respect of any clam whch may be the subject of ndemnty under ths Secton 2 pay solctors fees ncurred wth Our wrtten consent for representaton at proceedngs a n any Court of Summary Jursdcton of any proceedngs brought aganst You n respect of breach or alleged breach of any statutory duty resultng n Injury, Damage whch may be the subject of ndemnty under ths Secton, or b at a Coroners Court or Fatal Accdent Inqury. Busness from Home Insurance 17

20 Polcy Booklet Secton 2 Publc and Products Lablty Extensons A Motor Contngent Lablty Notwthstandng Excluson of ths Secton We shall ndemnfy You aganst legal lablty n respect of Injury or Damage arsng out of the use n connecton wth the Busness of any motor vehcle not owned or provded by You Excludng n respect of ths Extenson lablty: a n respect of Damage to such vehcle or to goods conveyed theren or thereon b n respect of Injury or Damage arsng whle such vehcle s beng drven by You drven wth Your general consent or of Your representatves by any person who to the knowledge of You or Your representatve does not hold a lcence to drve a vehcle unless such person has held and s not dsqualfed from holdng such a lcence used elsewhere than n the Unted Kngdom c n respect of whch You are enttled to ndemnty under any other nsurance. B Tenants Lablty If the Busness Porton s leased let rented hred or lent to You Excluson b of ths Secton shall not apply provded that the ndemnty wll not apply to legal lablty n respect of: a Damage arsng under agreement unless lablty would have attached to You n the absence of such agreement b the frst 100 of any one clam caused otherwse than by fre or exploson c Damage to premses caused by fre or any other perl aganst whch a tenancy or other agreement stpulates that nsurance shall be effected by You or on Your behalf. C Overseas Personal Lablty We shall ndemnfy You and, f You so request, any of Your drectors or partners or any Employees or spouse or cvl partner of such person aganst legal lablty ncurred n a personal capacty whlst temporarly outsde the Unted Kngdom Excludng n respect of ths Extenson lablty: a arsng out of the ownershp or occupaton of land or buldngs b n respect of whch any person referred to above s enttled to ndemnty under any other nsurance. 18 Busness from Home Insurance D Health and Safety at Work Act etc 1974 We shall ndemnfy You and at Your request any of Your drectors or partners or Employees n respect of legal costs and expenses ncurred wth Our wrtten consent and costs awarded aganst You or any of Your drectors or partners or Employees arsng n connecton wth a prosecuton (ncludng an appeal aganst any convcton resultng from a prosecuton) as a result of an alleged offence occurrng durng the Perod of Insurance under the Health and Safety at Work etc Act 1974 or smlar safety legslaton of the Unted Kngdom provded that: a the proceedngs relate to the health safety or welfare of persons other than the Employees b We wll not ndemnfy You n respect of: fnes and penaltes costs and expenses nsured by any other polcy. E Consumer Protecton and Food Safety Acts We wll ndemnfy You and at Your request any of Your drectors, partners or Employees aganst legal costs and expenses ncurred wth Our wrtten consent n connecton wth the defence of any proceedngs or an appeal aganst convcton arsng from such proceedngs brought for a breach of a Part 2 of the Consumer Protecton Act 1987 or b Secton(s) 7, 8, 14 and/or 15 of the Food Safety Act 1990 commtted or alleged to have been commtted n the course of the Busness durng the Perod of Insurance Provded that ths ndemnty shall not apply to the payment of fnes or penaltes proceedngs or appeals n respect of any delberate act or omsson by You costs or expenses nsured by any other polcy. F Court Attendance Costs In the event of any of the undernoted persons attendng court as a wtness at Our request n connecton wth a clam n respect of whch You or any other person s enttled to ndemnty under ths Secton We wll pay compensaton to You at the followng rates per day for each day on whch attendance s requred: a Your drectors or partners 250 b any Employee 100 Provded that such expenses are not payable under Secton 11 of ths Polcy recoverable from any court, Trbunal or thrd party.