Care Concept Care Homes Insurance Schedule showing premises & policy sections included and principal limits and excesses

Transcription

1 Care Concept Care Homes Insurance Schedule showing premises & policy sections included and principal limits and excesses Policy Number TCH Insurer Zurich Insurance PLC Other than Sections 7 & 8 Insured Name Postal Address Acorn Day Opportunities Ltd & Accorn Support Services Ltd 22 Sutherland Road Walthamstow Essex E17 6JW From To Period of Insurance 09/01/ /01/2015 Both dates inclusive Premium 0.00 IPT 0.00 VAT 0.00 Gross Premium 0.00 Print Date 23 April 2014 TCH020185

2 Care Concept Policy Number TCH Insurer Zurich Insurance PLC Other than Sections 7 & 8 Insured Name Acorn Day Opportunities Ltd Risk Address 22 Sutherland Road Walthamstow Essex E17 6JW Postal Address Business & Accorn Support Services Ltd 22 Sutherland Road Walthamstow Essex E17 6JW Day care centre for adults with learning disabilities From To Period of Insurance 09/01/ /01/2015 Both dates inclusive Premium for this location 2, IPT VAT 0.00 Annual Gross Premium 2, Print Date 23 April 2014 TCH020185

3 Risk Address 22 Sutherland Road Walthamstow Essex E17 6JW Policy TCH For full details of how these limits apply and of any further limits, please refer to the policy wording. Policy Excesses are details in full further on in this schedule. Description Sum Insured Contents (Including residents / patients effects) 61,000 Business Interruption Maximum Indemnity Period 24 months 1,326,000 Book Debts 100,000 Glass Insured 1) Non-negotiable money 250,000 2) Other Money a) In a private dwelling 500 b) In a locked safe (in an unattended building) 1,500 3) Any other loss of money a) In attended building at premises 5,000 b) In unattended building at premises 500 c) In transit 5,000 4) Personal Money 500 5) Total money in specified safe(s) 1,500 Personal Injury Assault Bodily Injury 1) Death and Permanent Injury 25,000 2) Temporary total disablement 250 p.w. 3) Temporary Partial Disablement 15 p.w. Medical Expenses Refer Policy Loss of Registration

4 Policy TCH Continued... LEGAL LIABILITIES Cover 1 Employers Liability Cover 2 Public & Products Liability Cover 3 Malpractice 10,000,000 5,000,000 DOMICILIARY CARE:- Employers Liability (Clerical/Admin) Wageroll: Employers Liability (Home Workers) Wageroll: Public/Products Liability & Malpractice Turnover: The above estimates of Wageroll and turnover allow us to provisionally assess the premium we require. When the policy is renewed you should tell us the actual figure so that we may make the necessary additional premium charge or refund and create a new estimate for the year ahead. LEGAL EXPENSES Insurer: Markel International Insurance Company Ltd via Abbey Legal Protection Towergate Assist Insurer: Certain Underwriters at Lloyds 250,000 Covered Sum Insured BUILDINGS Subsidence PERSONAL BELONGINGS Included PERSONAL ACCIDENT COVER EMPLOYEE DISHONESTY Limit of Indemnity ENGINEERING Not Covered TERRORISM COVER Excluded

5 Policy TCH Continued POLICY EXCESSES The Policy Excesses are as follows:- CONTENTS Deep freeze food units (extension 8) Household Goods Residents employees guests and visitors personal belongings (excluding personal money) Personal Money Nil LEGAL EXPENSES (Statutory Licence 1,000 or 10% of all Legal Expenses, whichever is greater) BUILDINGS Subsidence as defined in the policy PERSONAL BELONGINGS EMPLOYEE DISHONESTY Scheme Administrators: Towergate Patrick Print Date: 23/04/ :08

6 CLAUSE SHEET Policy TCH Continued Endorsement P37 - Theft Restriction Theft or Attempted Theft is restricted to loss following forcible and violent entry to the premises only Endorsement P68 Public Liability Cover Public Liability Cover - Risk Management Condition Protection Against Abuse / Assault / Molestation In respect of any claim for which indemnity is provided by this insurance arising directly or indirectly out of or in connection with any actual alleged attempted or threatened abuse assault or molestation of any kind it is a condition precedent to our liability under this insurance that you shall: adhere to and maintain a written protection policy with procedures for safeguarding the welfare of those in your care against abuse assault or molestation by any person. ensure that all your employees/volunteers/service providers (for the purpose of this endorsement your personnel) engaged by you in a care role or having unsupervised access to those in your care shall: have undergone satisfactory Criminal Record bureau or similar statutory Disclosure checks at a level appropriate to their care role or unsupervised access prior to engagement in those duties. have access to be acquainted with and receive formal training in your protection policy with formal update training based upon current best practice at intervals not exceeding one year in the case of newly appointed personnel receive formal induction protection training prior to commencement of their duties and be supervised during their probationary service period securely retain on an indefinite basis: employment/engagement application references identity verification records of Criminal Record Bureau or similar statutory Disclosure checks and related correspondence in respect thereof your protection policy and revisions thereof and records of your protection policy training delivered to all of your relevant personnel. your accident/incident registers and records of abuse allegations or incidents and action taken including notifications to the appropriate authorities. referral assessment treatment and care plans and related correspondence for those who are or have been in your care. Subject otherwise to the terms exclusions and conditions of this policy It is hereby noted and agreed that the subsidence excess is increased to 2,500 each and every claim. Cover is subject to receipt within 14 days of a satisfactorily completed subsidence questionnaire.

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