summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

Transcription

1 summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY

2 Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities 10 Moey 11 Goods i trasit 12 Persoal accidet 13 Geeral iformatio 14 Sigificat coditios 14 Cacellig the policy 14 What if I have a complait? 14 Law applicable 15

3 HERITAGE COMMERCIAL INSURANCE SUMMARY OF COVER 3 This is a summary of the cover provided by the Ecclesiastical Isurace Office plc (Ecclesiastical) for the South Essex Isurace Brokers Ltd Fueral Directors Busiess Isurace Policy This summary highlights the mai features ad exclusios to help you decide if the policy meets your eeds. For full details of the policy cover please refer to the policy documet. A copy will be set to you whe you take out the policy or is available beforehad from South Essex Isurace Brokers Ltd o request.

4 4 SUMMARY OF COVER Property damage Features ad beefits Sigificat exclusios ad limitatios Isurace for buildigs, cotets ad stock agaist a rage of isured evets such as fire, break-i, malicious damage, storm, escape of water, impact, subsidece ad accidetal damage. Terrorist damage is a optioal cover. subsidece that started prior to the arragemet of this cover excludig walk-i theft, other tha for the property of employees If the premises become uoccupied, uteated or ot i use, cover will reduce to fire, lightig, explosio ad aircraft uless we agree otherwise excludig the excess the amout of which will be agreed with you ad cofirmed o the policy schedule We will pay for claims up to the sums isured show here. These provide a geerous limit, which should be sufficiet for most policyholders. But if they are ot eough, tell us ad we will arrage a icrease. For the purposes of calculatig your premium fairly, we use your estimate of the actual value at risk. If this declared value is foud to be iadequate you wo't be pealised for uderisurace i the evet of a claim, provided you have ot uderisured deliberately. But we will adjust the declared values ad collect a additioal premium backdated to the last reewal of your policy (or the iceptio date if the discovery is made durig the first period of isurace). Sums isured These are the stadard sums isured that apply, where icluded (you ca icrease these upo request) Item Sum isured Buildigs ad Teat's Improvemets 1,000,000 Cotets 500,000 Stock 50,000 Shop Frots 10,000 per site Iflatio protectio The declared value of each item isured uder this sectio will be adjusted i accordace with a suitable idex. Persoal effects of persos at your premises employees 5,000 per perso visitors 1,000 per perso

5 SUMMARY OF COVER 5 Features ad beefits Sigificat exclusios ad limitatios Glass ad saitary fixtures Cover icludes repairs to framework, boardig up, recreatig multiple glazig vacuums ad replacig alarm foil followig glass breakage. Cost of removal or replacemet of fixtures ad fittigs ad accidetal damage to items i display widows is also covered. excludes glass already damaged at the commecemet of isurace excludes breakage of glass while ot fixed excludig breakage occasioed by or traceable to alteratios to the premises or i the glass whereby the risk of breakage is icreased limit for shop frot 10,000 ay oe claim Moumets, memorials ad statues i the grouds 15,000 ay oe claim Persoal effects of deceased for which you are resposible 15,000 ay oe claim

6 6 SUMMARY OF COVER Property damage plus Features ad beefits Cover A Exteded cover Sigificat exclusios ad limitatios The sum isured for each item will be the most we will pay. If you have cotets which are ot always situated at your premises, this optio allows you to specify them for away from the premises cover. The policy provides you with cover for Uspecified items up to 5,000 ( 3,000 for each item) as stadard. Please let us kow if you require additioal cover. excludig theft from motor vehicles uless they are locked, the property is stored out of sight ad there are visible sigs of forcible etry excludig the excess the amout of which will be agreed with you ad cofirmed o the policy schedule Cover B Deterioratio of stock For the cotets of your deep freeze or refrigerated cabiets followig failure of the uit. Choose this optio if your eeds exceed the stadard cover provided 2,500 for the cotets of ay oe uit, 10,000 i total. excludig failures i ay uit that is over seve years old uless the uit is the subject of a maufacturers guaratee or a aual maiteace cotract. (This exclusio does ot apply to equipmet icorporatig a hermetically sealed uit) excludig the excess the amout of which will be agreed with you ad cofirmed o the policy schedule

7 SUMMARY OF COVER 7 Equipmet breakdow This sectio is automatically provided where you have selected the Property damage ad/or Busiess iterruptio sectio Features ad beefits What is the equipmet that is covered? Ay electrical or mechaical equipmet uless excluded. Sigificat exclusios ad limitatios 5,000,000 i ay oe period of isurace This icludes: Lifts, cetral heatig or air coditioig systems Boilers are covered for breakdow ad explosio Security ad soud systems Photocopiers ad office equipmet Retail equipmet such as bar code scaers ad credit card paymet systems Fork lift trucks whilst o your premises excludig i private dwelligs kitche ad food preparatio equipmet, laudry ad cleaig equipmet ad audio-visual equipmet excludig aythig maufactured by you for sale excludig trade or busiess equipmet other tha process refrigeratio plat excludig breakdow caused by computer viruses or hackig excludig wear ad tear, although resultat loss is ot excluded excludig the excess of 200 for each claim uder this sectio icreased to 500 i respect of process refrigeratio plat Computers For computers, the sectio provides cover for ay breakdow ad resultig busiess loss ot icluded uder a maiteace agreemet. 250,000 for all claims i ay oe period of isurace excludig computer viruses ad hackig For computer equipmet which is outside the premises, cover is provided aywhere withi the Europea Uio as log as the equipmet is i the custody or cotrol of you or your employee.

8 8 SUMMARY OF COVER Features ad beefits Busiess losses We iclude your busiess losses followig the breakdow of the equipmet isured uder the Equipmet breakdow sectio. Sigificat exclusios ad limitatios 30,000 for all claims i ay oe period of isurace (or, if less, your geeral sum isured uder the Busiess iterruptio sectio). excludig claims arisig from the eed to recostruct or re-iput data or programs Expeditig costs Covers expeditig costs to speed up repair or replacemet, ad i makig temporary repairs. 15,000 ay oe period of isurace Exceptioal measures Covers costs icurred i takig exceptioal measures to prevet or reduce a loss. 5,000 ay oe period of isurace

9 SUMMARY OF COVER 9 Busiess iterruptio Features ad beefits Covers your loss of icome followig a claim accepted uder the Property damage sectio. Also pays for the extra costs to keep your busiess goig ad miimise your loss of icome. Sigificat exclusios ad limitatios The most we will pay is the sum isured of 2,000,000 Cover is provided up to a period of 24moths (the maximum idemity period ). Prevetio of access, bomb scare Pays if your busiess is affected by damage to eighbourig property by a cause which is covered uder your policy. Also, if access to your premises is affected through the actios of the authorities i coectio with a icidet which could edager huma life or eighbourig property. For bomb scare: 5,000 ay oe icidet For all other icidets, the sum isured uder this sectio will be the most we will pay, iclusive of these additioal costs. excludig icidets which last for less tha four hours (other tha for bomb scares) Customers ad suppliers Pays if your busiess is affected by damage at the premises of your customers or suppliers by a cause which is covered uder your policy. 25,000 ay oe icidet. Failure of electricity, gas, water or telecommuicatios Pays if your busiess is affected by accidetal failure of these services. 5,000 ay oe icidet

10 10 SUMMARY OF COVER Liabilities Features ad beefits Employers liability Covers your legal liability for accidets to or illess of employees, sustaied i the course of their employmet. Sigificat exclusios ad limitatios 10,000,000 ay oe claim icludig legal costs ad expeses As required by law we will supply a Certificate of Isurace which should be displayed i a promiet place ad after expiry retaied i compliace with the Employers Liability (Compulsory Isurace) Regulatios Public ad products liability Covers your legal liability for accidetal bodily ijury to persos other tha employees, or for damage to their property. The stadard idemity limit is 5,000,000 Higher limits may be available upo request.

11 SUMMARY OF COVER 11 Moey Features ad beefits No-egotiable moey such as crossed cheques, moey orders, vouchers. Sigificat exclusios ad limitatios 250,000 O the premises durig busiess hours. 7,000 or higher if requested I trasit or a bak ight safe. 5,000 or higher if requested While i a locked safe at the premises or other specified locatio. 5,000 or higher for specific safe if requested While o the premises (ot i a locked safe) outside busiess hours or at the private dwellig of ay director or employee. 500 For ay other loss. 500 Losses due to dishoesty of employees discovered withi 28 days. 5,000 overall i ay oe period of isurace Moey assault extesio This covers you if you or your employees or voluteers are attacked whilst carryig your moey. s Death 10,000 Loss of limbs(s) or eyes(s) 10,000 Permaet total disablemet 10,000 Temporary total disablemet Temporary partial disablemet 100 per week 25 per week Note: where metioed busiess hours meas ay time whe ayoe with resposibility for moey is i attedace at the premises for the purpose of your busiess

12 12 SUMMARY OF COVER Goods i trasit Features ad beefits Your geeral busiess stock ca be covered for accidetal damage whilst i trasit by road vehicles operated by you or a haulier. Also whilst beig set by parcel post or rail. Trasits ca be aywhere i the UK. 10,000 worth of cover is provided as stadard. Please let us kow if the maximum amout carried i ay oe vehicle exceeds this. Sigificat exclusios ad limitatios s the most we will pay will be the limit show o the schedule If your chose limit is foud to be iadequate, ay claim paymet we make will be reduced i proportio to the amout of uder-isurace. Coditios apply i respect of theft from uatteded vehicles. excludig theft where your employees are ivolved excludig goods spoiled by the failure of a vehicle s refrigeratio equipmet excludig the excess the amout of which will be agreed with you ad cofirmed o the policy schedule

13 SUMMARY OF COVER 13 Persoal accidet Features ad beefits You ca isure yourself or your permaet employees agaist accidetal ijuries, for full time staff oly, 24 hours a day. Sigificat exclusios ad limitatios You choose the level of cover the umber of uits required. Oe uit provides the beefits show below. The most you ca choose is te uits, this gives te times the cover ie the death beefit is 25,000. Per uit of cover Death 2,500 Loss of limbs(s) or eyes(s) 2,500 Permaet total disablemet 2,500 Temporary total disablemet 25 per week Temporary partial disablemet 6 per week excludig certai hazardous sports or activities

14 14 SUMMARY OF COVER Geeral iformatio Sigificat coditios You may ot be covered uder this policy if you fail to tell us about ay sigificat chages to the premises or your busiess. You must tell us if the premises become uoccupied You may ot be covered uder this policy for theft if you fail to secure the premises whe closed for busiess. Cacellig the policy Your right to cacel You ca cacel the policy providig you give Ecclesiastical Isurace Office plc otice i writig. As log as you have ot made a claim you will receive a refud of the part of your premium which covers the cacelled period, provided this exceeds 10. If you have made a claim the the full aual premium is due. Our right to cacel We have the right to cacel the policy by givig you seve days otice i writig set by recorded delivery to your last kow address. If we cacel the policy we will refud the part of your premium which covers the cacelled period. What if I have a complait? If you have ay reaso to complai about the service you have received, you should cotact either South Essex Isurace Brokers Ltd or Ecclesiastical Isurace Office plc. If makig your complait to Ecclesiastical you ca cotact i writig or verbally the Compliace Officer at: Ecclesiastical Isurace Office plc Beaufort House Bruswick Road Gloucester GL1 1JZ Tel: Fax: complaits@ecclesiastical.com If makig your complait to South Essex Isurace Brokers Ltd cotact: South Essex Isurace Brokers Ltd South Essex House North Road South Ockedo Essex RM15 5BE Tel: Fax: equiries@seib.co.uk You may have the right to refer your complait to the Fiacial Ombudsma Service who ca be cotacted o or ed at complait.ifo@fiacial-ombudsma.org.uk or visit their website: This complaits procedure does ot affect your right to take legal proceedigs. Full details of the complaits procedure is i the policy documet or ca be provided separately o request.

15 SUMMARY OF COVER 15 Law applicable It is our itetio to apply the law of Eglad ad Wales to your isurace cotract uless your busiess is located i Scotlad i which case the law of Scotlad will apply. If there is ay dispute as to which law applies, it will be Eglish law. This cotract is uderwritte by: Ecclesiastical Isurace Office plc. Our FSA register umber is Our permitted busiess is geeral isurace. You ca check this o the FSA s register by visitig the FSA s website or by cotactig the FSA o

16 If you would like more iformatio about Ecclesiastical visit us at: If you would like more iformatio about South Essex Isurace Brokers cotact us at: South Essex House North Road South Ockedo Essex RM15 5BE Tel Beaufort House, Bruswick Road, Gloucester GL1 1JZ Ecclesiastical Isurace Office plc (EIO) Reg. No This compay is registered i Eglad at Beaufort House, Bruswick Road, Gloucester, GL1 1JZ, UK. EIO is authorised ad regulated by the Fiacial Services Authority ad is a member of the Fiacial Ombudsma Service ad Associatio of British Isurers. Ecclesiastical Isurace Office plc 2012 POD /12