BUSINESS IT S OUR TO LOOK AFTER YOUR BUSINESS. BUSINESS INSURANCE

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1 BUSINESS IT S OUR BUSINESS TO LOOK AFTER YOUR BUSINESS /13 Claims are dealt with on a case by case basis and are subject to the terms and conditions of the policy wording. For full details please read the policy wording. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority.

2 Contents 3 Why Hiscox? 5 Professional indemnity 7 Office insurance 9 Management liability portfolio 11 Venue insurance 13 Charities insurance portfolio Clubs and associations insurance portfolio 15 Medical malpractice insurance 17 Event insurance 19 Next steps? Hiscox. As good as our word Hiscox is no ordinary insurer. We may work in the insurance industry, but we like to think our principles make us unique. Everything we do is underpinned by the values of our Chairman, Robert Hiscox those of integrity, trustworthiness and honour. So when it comes to business insurance, you ll find our cover is anything but standard. Our specialist knowledge allows us to design flexible cover that s suited to the particular risks your industry may face. Additional value for your business As experts in providing specialist business insurance we understand the value of keeping things simple. That s why, when we give you protection, we offer three additional benefits to help you cut down the paperwork: a single policy, incorporating only the cover modules your business needs interest-free payment by Direct Debit, so your premium is automatically paid; with the added benefit that it also helps you to manage cash flow continuous protection while your Direct Debit remains in place, avoiding the inconvenience of annual renewal forms. Optional BusinessHR You can also choose optional access to our BusinessHR service at a discounted rate which could save you time and money with free online risk assessments and downloadable HR guidelines. 3

3 PROFESSIONAL INDEMNITY ONE SIZE DOESN T FIT ALL. Professional indemnity Professional indemnity insurance protects you and your business against the costs that may arise from an unexpected or expensive legal situation. But Hiscox doesn t believe that one general policy is the best solution for individual professionals. So, with the benefit of in-depth industry knowledge, we ve designed policies that can be individually tailored to suit your business. With Hiscox professional indemnity insurance in place you ll have tailored cover for yourself and for your business, which includes protection for: employee or contractor dishonesty issues contract disputes loss of important documents a defamation claim (also known as libel or slander) is brought against you infringment of intellectual property rights unintentional breach of contract, which is one of the biggest exposures you can face, unlike other policies which only give negligence cover. 5

4 OFFICE WHAT S SO COMPLICATED ABOUT KEEPING THINGS SIMPLE? Office insurance Office insurance can protect more than just your fixtures and fittings. And because our policy is modular, our brokers can help you put together cover that s right for your specific business. This means that we include only the protection you and your business need. From all risks (which means we cover all eventualities while clearly stating what s excluded), to specific cover such as: damage, loss or theft of your office contents or computers buildings cover portable equipment cover business interruption public and employers liability protection if you are sued internet and for your online exposures legal expenses cover. What s more, our standard cover has features you may not find in other policies, such as automatic cover for personal effects, computer breakdown cover and employee dishonesty. 7

5 MANAGEMENT LIABILITY PORTFOLIO WHEN THE UNEXPECTED HAPPENS, THERE S NO TIME TO WASTE. Management liability portfolio With regulation on the increase in areas such as employment practices, trading standards and health and safety, our compensation culture means businesses could be exposed to unexpected costs and disruption. Our management liability portfolio gives you personal protection and also covers your company against the expenses that may arise from problems in these areas. If you do need to make a claim, we ll do everything we can to get your business back on track with a sense of urgency. The Hiscox management liability portfolio gives you protection against the potential costs and legal defence expenses you may incur in a range of circumstances, such as: an investigation by the Health and Safety Executive into your safety procedures an allegation of sexual harassment by an employee fraudulent employee activity leading to a significant gap in your cashflow. 9

6 VENUE WELL, IT S RUDE TO KEEP SOMEONE WAITING. Venue insurance Delays aren t just annoying they can also be expensive. Our cover will make sure your business gets back up and running as quickly as possible if any problems do occur. Venue cover can play a vital role, giving you comprehensive protection against unexpected events. After all, if you re working with the public, we know you ll appreciate the inconvenience of having a situation beyond your control. At Hiscox we understand the need for flexibility. For example, as a gallery owner you could opt for higher limits on building and contents cover, while increased public liability would protect a spa owner from claims arriving from injury to clients during treatments. Whatever happens, it s our aim to get your business up and running again as quickly as possible. Hiscox s venue policy can provide: cover for buildings and contents protection against business interruption public liability insurance cover against defective title. 11

7 CHARITIES PORTFOLIO CLUBS AND ASSOCIATIONS PORTFOLIO DOING EVERYTHING WE CAN IS THE LEAST WE CAN DO. Charities insurance portfolio Clubs and associations insurance portfolio If you re a charity trustee, or involved in running a club or association, we think your dedication deserves the right kind of protection to reflect your personal commitment. So we ve designed our charities insurance and our clubs and associations insurance portfolios to benefit not only your organisation, but also anyone helping to run it. You ll find you re protected against the costs of legal representation and defence in allegations of malpractice, fraud or dishonesty. We ll start by assuming your claim is valid, and you ll also have cover against claims brought by or against your fellow trustees, employees, volunteers or the charity or club itself. Our cover gives you protection in a range of circumstances, including: the trustees face a criminal prosecution alleging they have used the charity s or club s funds for their own benefit an employee s fraudulent activity leads to a significant gap in your cash-flow a potential beneficiary alleges they have been discriminated against following your refusal to provide them with financial assistance. 13

8 MEDICAL MALPRACTICE PROTECT YOUR WELLBEING TOO. Medical malpractice insurance Sometimes, our best intentions to provide respite, pain relief or cure don t always go to plan. When you or your employees are offering any kind of medical assistance, you need the kind of protection offered by Hiscox medical malpractice insurance. Hiscox provides cover for: care: nursing and children s homes, family planning centres, foster caring agencies and nursing agencies health and beauty: beauty therapists, aesthetic beauty therapists, first aiders, paramedics, health and fitness gyms complimentary medicine: massage therapists, naturopathy, nutritionists and reflexologists. Medical malpractice insurance provides cover for bodily injury, mental injury, illness, disease or death arising from business activities. For example, if you provide private ambulance services, medical malpractice insurance will give you the extra cover necessary when giving more complex levels of medical assistance. With Hiscox medical malpractice insurance in place we ll also cover the financial loss of an injury. And, as it makes sense to choose a provider with dedicated professionals who understand your field of expertise in detail, we make sure that qualified Hiscox solicitors carry your initial claims assessment, offering insight, confidential support and professional assistance. 15

9 EVENT WHATEVER THE EVENT OR EVENTUALITY. Event insurance Whatever the event you re organising you ll have invested time and money making sure everything goes to plan. So it s essential you have the right insurance in place. With Hiscox event insurance your confidence can increase, knowing we re specialists at arranging cover for a huge variety of events. And because we have over 30 years experience, we understand no two occasions are the same: from conferences and exhibitions to product launches and awards dinners. That s why you can tailor some of our policies specifically to your circumstances and, if you plan to run a series of events, we can cover them all under one policy. So while you re centre stage reaping the benefits of all your hard work, we ll be working hard behind the scenes in four key areas: cancellation and abandonment: protecting your financial investment in the event property damage: covering your property, hired equipment, and some elements of the venue s property public liability: covering claims for injury to a third party or damage to their property whilst at your event employers liability: covering claims for injury to staff or volunteers whilst working at your event. 17

10 NEXT STEPS? Next steps? In this document, you ll have seen brief summaries of our business insurance products. For comprehensive details on any area in particular, or a no-obligation quote, please contact your broker or visit We also provide: home insurance holiday home insurance motor insurance fine art insurance. 19

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