THE SCHEDULE CAMBERFORD LAW PLC TOUR OPERATORS AND TRAVEL AGENTS INSURANCE SCHEDULE

Transcription

1 CAMBERFORD LAW PLC TOUR OPERATORS AND TRAVEL AGENTS INSURANCE SCHEDULE Binding Authority Agreement Number Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 B1053BA15072 B1053BA15072 Policy Number 419 Reason For Issue Renewal Underwriters Section 1 Section 2 Section 3 Section 4 Certain Underwriters at Lloyd's of London. Individual syndicate details and the proportion written by them is available upon request Certain Underwriters at Lloyd's of London. Individual syndicate details and the proportion written by them is available upon request Section 5 Section 6 The Insured Cycol Tours Limited The Address Of The Insured 3 Barnacre, Lancaster, LA1 4JZ Business (of The Insured) Cycle tours & holidays UK & Europe Period Of Insurance From 14 June 2015 To 13 June 2016 Both days inclusive at the local standard time of The Insured. Page 1 of 12

2 The Premises Premises 1 Premises 2 Premises 3 Sections Which Comprise Your Policy Section Number and Description Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Property and Business Interruption Legal Liability Professional Indemnity Directors and Officers Liability Commercial Legal Expenses Terrorism Operative / Not Operative Operative Operative CONTENTS OF THIS SCHEDULE Page Number Specification (Detailing the Sections, Sub-Sections and 3 to 7 Items insured and the corresponding sum insured and limits) Property and Business Interruption 3 to 5 Legal Liability (Employers, Public and Products Liability) 6 Professional Indemnity 6 Directors and Officers Liability 6 Commercial Legal Expenses 7 Terrorism 7 Excess 8 Endorsements 9 Additional Endorsements 10 Premium 11 (Full breakdown of the premiums and other costs related to this Insurance and the sevices provided) Page 2 of 12

3 SPECIFICATION Cover is operative only for Sections and Sub-Sections for which a Sum Insured, Limit Of Liability or Limit Of Indemnity is shown. SECTION 1: PROPERTY AND BUSINESS INTERRUPTION Sub-Section Number and Description Sub-Section 1A Material Damage Item 1 The buildings, including landlord s fixtures and fittings therein and thereon and walls, gates and fences around and pertaining thereto Item 2 Item 3 Stock and material in trade, the Property belonging to You or held by You in trust or on commission for which You are responsible other than Property insured more specifically elsewhere herein Fixtures, fittings, machinery, plant and all other contents, the Property belonging to You excluding property described in Items 1 and 2 Optional Extension 1 Day One Basis (Non Adjustable) Item 1 Item 3 Declared Value Declared Value Sum Insured / Limit Of Liability Optional Extension 2 Rent Payable Indemnity Period Optional Extension 3 Glass Sub-Section 1B Business Interruption Item 1 Gross Profit Indemnity Period Item 2 Additional Increased Cost Of Working Indemnity Period Item 3 Rent Receivable Indemnity Period Specified Working Expenses (a) (b) Purchases (less discounts received) Discounts Allowed (c) Carriage Outwards Memoranda Sub-Limits (Sum Insured) Vermin and Pests Memorandum Murder and Suicide Memorandum Public Utilities Food Or Drink Poisoning Memorandum Sub-Section 1C Money & Tickets Item 1 Non-Negotiable Money Item 2 On Negotiable Money:- (a) Contained in a locked safe or strongroom in The Premises when closed for business. (b) In The Premises when closed for business and not contained in a locked safe or strongroom. (c) In the private dwelling of The Insured or of any person to whom such Money is entrusted. Item 3 On Negotiable Money in coin and vending machines Item 4 On other Negotiable Money loss including whilst in transit Item 5 Loss or destruction of or damage to safe or strongroom Page 3 of 12

4 Sub-Section 1D Sub-Section 1E Goods In Transit Any one occurrence of loss, destruction or damage All Risks To Business Equipment Lap Top Computers and Mobile Telephones Other Business Equipment Sub-Section 1F Book Debts Sub-Section 1G Stock Deterioration Following Refrigeration Breakdown Sub-Section 1H Fidelity Guarantee Sub-Section 1I Computer Equipment Breakdown Item 1 Computer Equipment Breakdown at The Premises (a) Losses arising from Breakdown of Computer Equipment owned, leased, hired or rented by You or for which You are responsible whilst at The Premises or whilst temporarily removed for cleaning, renovation, repairs or similar purposes, or whilst in the custody or at the private dwelling of any of Your directors, partners or Employees anywhere within England, Scotland, Wales, Northern Ireland, the Republic of Ireland, the Channel Islands and the Isle of Man. Item 2 (b) Temporary repairs including consulting engineers fees for repair and investigation costs incurred with Our consent up to 2,500 any one loss and in all during the Period Of Insurance. (c) Modification costs to achieve compatibility in the event the damaged Computer Equipment cannot be replaced with identical Computer Equipment up to 10,000 any on loss and in all during the Period of Insurance. Computer Equipment Breakdown Additional Cost Of Working The cost of materials and labour and computer time expended in reproducing lost or damaged Computer Records as a result of Computer Equipment Breakdown in respect of any one loss and in all during the Period Of Insurance. Page 4 of 12

5 SCHEDULE OF THE PREMISES The Sum Insured, Declared Value and/or Limit Of Liability stated in the table below apply to the specific Premises and are limitations of the overall Sum Insured for each Sub-Section. Premises Sub-Section 1A. Item 1 (buildings including landlords fixtures and fittings) Sub-Section 1A. Item 2 (stock and material in trade) Sub-Section 1A. Item 3 (fixtures fittings machinery plant and all other contents) Sub-Section 1A. Optional Extension 1 (Day One Basis - Item 1 Declared Value) Sub-Section 1A. Optional Extension 1 (Day One Basis - Item 3 Declared Value) Premises Sub-Section 1A. Optional Extension 2 (Rent Payable) Sub-Section 1B. Item 1 (Gross Profit) Sub-Section 1B. Item 2 (Additional Increased Cost Of Working) Sub-Section 1B. Item 3 (Rent Receivable) Sub-Section 1C. Item 2(a) (Negotiable Money contained in a locked safe or strongroom within The Premises) Premises Sub-Section 1G. (Stock Deterioration Following Refrigeration Breakdown) Page 5 of 12

6 SECTION 2: LEGAL LIABILITY Sub-Section Number and Description Sub-Section 2A Employers' Liability Any one occurrence, inclusive of all costs and expenses Limit Of Indemnity 10,000,000 Sub-Section 2B Public Liability Any one occurrence 2,000,000 Optional Ext 1 Computer Systems, Internet and Liability Optional Ext 2 Crisis Management Any one occurrence Any one occurrence, and limited to 100,000 in the aggregate in the Period Of Insurance. Sub-Section 2C Products Liability Any one occurrence and in the aggregate in the Period Of Insurance 2,000,000 SECTION 3: PROFESSIONAL INDEMNITY Section Number and Description Section 3 Professional Indemnity Limit Of Indemnity Any one occurrence and in the aggregate in the Period Of Insurance 100,000 SECTION 4: DIRECTORS AND OFFICERS LIABILITY Section Number and Description Section 4 Directors and Officers Liability Any one occurrence and in the aggregate in the Period Of Insurance Limit Of Underwriters Aggregate Liability Notice Notice of any claim or Circumstance is to be given to: Page 6 of 12

7 SECTION 5: COMMERCIAL LEGAL EXPENSES Sub-Section Number and Description Limit Of Indemnity Sub-Section 5A Employment Any One Claim Sub-Section 5B Prosecution Any One Claim Sub-Section 5C Property Any One Claim Sub-Section 5D Taxation Any One Claim Sub-Section 5E Data Protection Any One Claim Sub-Section 5F Bodily Injury Any One Claim Aggregate limit Of Indemnity Legal Advice Telephone Number Reference Number SECTION 6: TERRORISM Section Number and Description Section 6 Terrorism (a) Damage Sum Insured (b) Consequential Loss Page 7 of 12

8 EXCESS AND RETENTION An Excess or Retention being shown herein does not mean that cover is operative. SECTION 1: PROPERTY AND BUSINESS INTERRUPTION SECTION / SUB-SECTION EXCESS DETAIL Sub-Section 1A Material Damage Sub-Section 1C Money Sub-Section 1D Goods In Transit Sub-Section 1E All Risks To Business Sub-Section 1G Sub-Section 1H Sub-Section 1I Equipment Stock Deterioration Following Refrigeration Fidelity Guarantee Computer Equipment Breakdown Endorsement MD22 Subsidence Ground Heave and/or Landslip Extension SECTION 2: LEGAL LIABILITY SECTION / SUB-SECTION EXCESS DETAIL Sub-Sections 2B and 2C Public Liability and Products Liability 1,000 any one person any one claim or series of claims arising out of one originating cause inclusive of costs and/or expenses but limited to 5,000 any one claim or series of claims arising out of one orignating cause inclusive of costs and/or expenses SECTION / SUB-SECTION Section 3 Professional Indemnity SECTION 3: PROFESSIONAL INDEMNITY EXCESS DETAIL 250 any one person any one claim or series of claims arising out of one originating cause inclusive of costs and/or expenses but limited to 1,250 any one claim or series of claims arising out of one orignating cause inclusive of costs and/or expenses SECTION 4: DIRECTORS AND OFFICERS LIABILITY SECTION / SUB-SECTION RETENTION DETAIL Section 4 Directors and Officers Liability Page 8 of 12

9 ENDORSEMENTS Where an Endorsement is shown as 'Operative' it applies to this Insurance in relation to the Section(s) or Sub-Section(s) specified in relation to such Endorsement. The following Endorsements are detailed in full within the Policy Wording. All Sections of this Insurance Endorsement Name and Title PPL01 Proposal Form Condition Operative / Not Operative Endorsement Name and Title TO01 Altitude Sickness Warranty SECTION 2: LEGAL LIABILITY Operative / Not Endorsement Name and Title Operative TO09 Scuba Diving (PADI) Operative / Not Operative TO02 TO03 TO04 Suppliers Contract Indemnity Endorsement Contractual Liabilty and Indemnity Contracts Bona Fide Sub Contractors Warranty TO10 TO11 TO12 Skiing And Snowboarding Condition Individual Customer Travel Insurance Condition Tour Organisers Exclusion (Travel Agents) TO05 TO06 TO07 TO08 Equestrian Protection Warranty Medical / Repatriation Expenses Exclusion (First Party) North American Conditions Physical Emotional And Sexual Abuse Exclusion TO13 TO14 TO15 Criminal Records Bureau Endorsement Total Motor Exclusion Libel Slander Defamation Passing Off And Infringement Page 9 of 12

10 ADDITIONAL ENDORSEMENTS The following Endorsements apply only to the Section(s) or Sub-Section(s) specified in relation to such Endorsement. These Endorsements all apply to You and are detailed in this Schedule in full and do not appear in the Policy Wording. SECTION 1: PROPERTY AND BUSINESS INTERRUPTION SECTION 2: CONTRACT WORKS SECTION 3: LEGAL LIABILITY SECTION 4: PROFESSIONAL INDEMNITY SECTION 5: DIRECTORS AND OFFICERS LIABILITY Page 10 of 12

11 PREMIUM(S) SECTION / SUB-SECTION / SERVICE PREMIUM INSURANCE TOTAL PAYABLE PREMIUM TAX Section 1 Section 2 Property and Business Interruption Legal Liability Sub-Section 2A Employers' Liability Sub-Section 2B Public Liability Sub-Section 2C Products Liability Section 3 Section 4 Section 5 Section 6 Professional Indemnity Directors and Officers Liability Commercial Legal Expenses Terrorism SERVICES / FEES FEE / SERVICE INSURANCE TOTAL PAYABLE CHARGE PREMIUM TAX BusinessCare (Legal Advice and Document Service) Camberford Law PLC Administration Fee TOTAL (Of all Sections, Services and Fees) All Premiums shown are Minimum and Deposit unless otherwise stated in this document, Your Schedule or the Policy or agreed in writing by The Underwriters or by Camberford Law PLC. SIGNATURE ON BEHALF OF THE UNDERWRITERS This Schedule is signed by an authorised individual on behalf of The Underwriters Simon Carter Director Camberford Law PLC Dated 15 June 2015 Page 11 of 12

12 Certificate of Employers' Liability Insurance (a) (where required by regulation 5 of the Employers' Liability (Compulsory Insurance) Regulations 1998 (the Regulations), one or more copies of this certificate must be displayed at each place of business at which the policy holder employs persons covered by the policy) Policy No: Name of policy holder: Cycol Tours Limited 2 Date of commencement of insurance policy: 3 Date of expiry of insurance policy: 14 June June 2016 We hereby certify that subject to paragraph 2:- Cycol Tours Limited 1 the policy to which this certificate relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, the Isle of Man, the Island of Jersey, the Island of Guernsey and the Island of Alderney, or to offshore installations in any waters outside the United Kingdom to which the Employers' Liability (Compulsory Insurance) Act 1969 or any amending primary legislation applies(b); and 2 (a) the minimum amount of cover provided by this policy is no less than 5,000,000 (c) or (b) the cover provided under this policy relates to claims in excess of but not exceeding Signed on behalf of those Lloyd's Underwriters subscribing to the above policy (Authorised Insurers) Signature (a) Where the employer is a company to which regulation 3(2) of the Regulation applies, 04/08/2014 the certificate shall state in a prominent place, either that the policy covers the holding company and all its subsidiaries, or that the policy covers the holding company and all its subsidiaries except any specifically excluded by name, or that the policy covers the holding company and only the named subsidiaries. (b) Specify applicable law as provided for in regulation 4(6) of the Regulations. (c) See regulation 3(1) of the Regulations and delete whichever or paragraphs 2(a) or 2(b) does not apply. Where 2(b) is applicable, specify the amount of cover provided by the relevant policy. Note: The Information below this line does not form part of the statutory certificate. Those Underwriters at Lloyd's on whose behalf this certificate is issued require the following information to be entered by the issuing intermediary: Name and address of issuing intermediary: Camberford Law Plc Lygon House Bromley Kent BR1 3RA Issuing intermediary's reference: (if different from the Policy Number stated above) NMA2838 ( )