Allianz Insurance plc. Complete Business. Policy Wording

Transcription

1 Allinz Insurne pl Complete Business Poliy Woring

2 Complete Business Poliy Woring Complete Business Poliy Woring Contents Introution 1 How to Mke Clim 2 Complints Proeure 4 Insuring Cluse 5 Poliy Definitions 6 Poliy Conitions 8 Poliy Exlusions 16 The Cover Provie Setion 1 Property Dmge 19 Setion 2 Business Interruption 30 Setion 2 Inrese Cost of Working 39 Setion 3 Book Dets 45 Setion 4 Money 47 Setion 5 Own Goos in Trnsit 51 Setion 6 Speifie All Risks 54 Setion 7 Employers' Liility 56 Setion 8 Puli n Prouts Liility 60 Setion 9 Commeril Legl Expenses 67 Setion 10 Personl Aient 82 Setion 11 Theft y Employee 88 Setion 12 Terrorism 92 Aitionl Benefits 95 Dt Protetion 97 Thnk you for hoosing Allinz Insurne pl. We re one of the lrgest generl insurers in the UK n prt of the Allinz Group, one of the worl s foremost finnil servies proviers. With Allinz Insurne pl, you n e onfient tht you re insure y ompny whih is relentless in its ommitment to proteting n serving you. You n trust us to insure your usiness, s we ve een proviing leing insurne solutions in the UK for over 100 yers. We work in prtnership with your insurne viser to ensure you reeive the highest levels of prout n servie exellene. Our tehnil experts unerstn how est to protet you ginst the risks your usiness fes. If you nee to mke lim you will e in sfe hns. Our professionlly trine stff im to tret you, s you woul expet, oth promptly n firly. By listening to you, n unerstning your nees we will provie you with the most pproprite solutions to get your usiness tring gin s quikly s possile. Shoul you nee further etils or hve ny questions your insurne viser will e elighte to help. Importnt This oument provies etils of your poliy n the terms n onitions tht pply. Plese re it refully n keep it in sfe ple.

3 Complete Business Poliy Woring Introution Your Complete Business Poliy is me up of severl prts whih must e re together s they form your ontrt of insurne with the Insurer. Plese tke time to re ll prts of the Poliy to mke sure they meet n ontinue to meet your nees n tht you unerstn the terms, exlusions n onitions. If you wish to hnge nything or if there is nything you o not unerstn, plese let your insurne viser know. The prts of the Poliy re: the Sttement of Ft this Poliy Woring whih ontins this Introution; the Insuring Cluse; the Poliy Definitions, the Poliy Exlusions n the Poliy Conitions, ll of whih pply to ll Setions of the Poliy the Setions of over provie, inluing the Setion Definitions, Extensions, Conitions n Exlusions the Sheule, whih onfirms the Setions of over tht re insure n inlues ny itionl luses pplie to the Poliy Any Setion stte to e Not Insure in the Sheule shll e inopertive. Chnges to your irumstnes Plese tell your insurne viser s soon s resonly possile if there re ny hnges to your irumstnes whih oul ffet your insurne. Plese refer to Poliy Conition 21 (Chnge of Risk) on pge 13 of this Poliy Woring. If your irumstnes hnge n you o not tell your insurne viser, you my fin tht you re not overe if you nee to lim. Finnil Servies Compenstion Sheme Allinz Insurne pl ontriutes to the Finnil Servies Compenstion Sheme (FSCS). The Insure my e entitle to ompenstion from the FSCS if the Insurer is unle to meet their liilities. Further informtion out ompenstion sheme rrngements is ville t y emiling [email protected] or y phoning the FSCS on or Any wor or expression in the Poliy whih hs speifi mening hs the sme mening wherever it ppers in the Poliy, unless stte otherwise. 1

4 Complete Business Poliy Woring How to Mke Clim If you nee to lim, your eite lims hnler will help n guie you through the proess. You n notify Allinz of lim y: Telephone: Property lims Liility lims Post: Clims Division Allinz Insurne pl 500 Aveury Boulevr Milton Keynes MK9 2XX Our lims helpline is ville 24 hours y, 7 ys week. If you hve Commeril Legl Expenses lim you n notify Allinz Legl Protetion y ontting the Lwphone Legl Avie Helpline on quoting the Mster Poliy referene shown in the poliy sheule. Post: The Clims Deprtment Allinz Legl Protetion 2530 The Qurnt Azte West Almonsury Bristol BS32 4AW Lines re open 24 hours y, 7 ys week. Plese try to notify Allinz of lim promptly fter the inient, or immeitely in the event of serious ient, loss or mge. Clims Detils Plese hve the following informtion ville, where possile, when mking lim: Property Clims Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Lotion n esription of the loss Injury Clims Your ontt informtion, inluing ress n telephone numers Poliy type n poliy numer Dte the loss ourre Nme n ress of injure prty Desription of the injury, where n how it ourre Commeril Legl Expenses Clims Your ontt informtion, inluing ress n telephone numers Mster Poliy referene shown in the poliy sheule Brief summry of the prolem Wht to expet when mking lim We im to el with your lim promptly n firly. We will upte you on the progress of your lim y emil, mil or y phone whihever you prefer. Depening on the type of lim n vlue involve, we my: forwr lim form for you to omplete n sign sk you for itionl informtion ppoint n inepenent loss juster to el with your lim (loss justers re lims speilists who investigte lrge or omplex lims, usully t the sene of n inient, to estlish the use of the loss n ssist the insurer in eling with your lim) rrnge for memer of our lims tem to visit you Commeril Legl Expenses In ition to the ove, the following will pply to enle Allinz Legl Protetion to el with lim uner the Commeril Legl Expenses setion: we will forwr you lim form for you to omplete n sign we will require opy of your poliy sheule one we hve reeive your lim form n etermine whether your lim flls within the over provie we will ontt you to request the pyment of ny exess ue. We will lso ontt you to request pyment of the exess if we gree to your request to ppoint n lterntive legl representtive. Plese note we will not ppoint legl representtive until the exess pyment ue in respet of lim hs een pi 2

5 Complete Business Poliy Woring legl expenses re only overe from the time we hve epte the lim n ppointe the legl representtive in your nme n on your ehlf. You must not ppoint legl representtive. If you hve lrey seen soliitor efore we hve epte your lim, we will not py for ny fees or other expenses tht you hve inurre other thn where we inur legl expenses in orer to vlite lim, if we eline lim following reeipt of the lim form, poliy sheule n exess pyment, we will refun the exess pyment where we neessrily inur unreoverle legl expenses uring the lim vlition proess, or you re unle to reover legl expenses t the en of the lim, if the unreovere legl expenses inurre re less thn the exess pyment reeive, we will refun you the ifferene etween the 2 figures Helpful vie when mking lim Your insurne poliy omes with numer of gret fetures to help keep your usiness up n running. These itionl fetures o not ome with stnr poliies n hve een esigne espeilly for smll usinesses in min. Keeping your usiness up n running in the event of n emergeny, we will sen out repirer to mke your premises seure within 24 hours even uring the night You shoul omply with the requirements for lim notifition ontine in the poliy onitions, whih etil your oligtions n our rights in the event of lim. If you re in ny out plese ontt us. Employees We unerstn how importnt your employees re to your usiness. This is why, in the unfortunte event of serious injury to your employees, we provie meilly trine rehilittion tem to work with your employees, getting them k to helth n k to work s quikly s possile. If n employee or someone else is holing you responsile for injury to them or for mge to their property then you shoul tell us promptly n sen ny letters, writs or summons to us unnswere. Plese ensure tht your responsiility for injury to someone or mge to their property is not isusse with or mitte to nyone else. Following lim After lim, it my e helpful for you to review your insurne risks n how well your usiness is mnging them. Risk Diretor llows you to ientify n mnge the risks tht re most pertinent to your usiness. The rnge of tools n templtes ville online mke risk mngement quik n esy. Risk Diretor n e esse t you shoul rry out ny emergeny tion to protet your property from further mge (e.g. turning off min servies) or to mke it wterproof or seure. If emergeny work hs een omplete on your own uthority plese ontt us efore permnent repirs egin we will e plese to provie vie n ssistne to fin the right person or orgnistion to help you. We hve hs ntionwie network of qulity tre people on ll to get you up n running. For lrge inients, we will usully ssign loss juster who will mnge your repirs n hs the uthority to uthorise repirs up to 50,000 plese o not ispose of mge items efore we hve h the opportunity to inspet them you shoul report to the Polie ny loss or mge from theft, rson, mliious mge, or riot or ivil ommotion n otin rime referene numer from them if you o inur ny hrges, plese retin the ills s these my form prt of your lim 3

6 Complete Business Poliy Woring Complints Proeure Our im is to get it right, first time every time. If you hve omplint we will try to resolve it stright wy ut if we re unle to we will onfirm we hve reeive your omplint within five working ys n o our est to resolve the prolem within four weeks. If we nnot we will let you know when n nswer my e expete. If we hve not resolve the sitution within eight weeks we will issue you with informtion out the Finnil Omusmn Servie (FOS) whih offers free, inepenent omplint resolution servie. If you hve omplint, plese ontt our Customer Stisftion Mnger t: Customer Stisftion Mnger Allinz Insurne pl 57 Lyme Guilfor Surrey GU1 1DB Telephone numer: Fx Numer: Emil: [email protected] You hve the right to refer your omplint to the Finnil Omusmn, free of hrge ut you must o so within six months of the te of the finl response letter. If you o not refer your omplint in time, the Omusmn will not hve our permission to onsier your omplint n so will only e le to o so in very limite irumstnes. For exmple, if the Omusmn elieves tht the ely ws s result of exeptionl irumstnes. The Finnil Omusmn Servie Exhnge Tower Lonon E14 9SR Wesite: Telephone: or Emil: [email protected] Using our omplints proeure or ontting the FOS oes not ffet your legl rights. The Europen Commission hs n online ispute resolution servie for onsumers who hve omplint out prout or servie ought online. If you hoose to sumit your omplint this wy it will e forwre to the Finnil Omusmn Servie. Visit to ess the Online Dispute Resolution Servie. Plese quote our e-mil ress: [email protected] Alterntively, you n ontt the Finnil Omusmn Servie iretly. 4

7 Complete Business Poliy Woring Insuring Cluse In onsiertion of pyment of the premium the Insurer will inemnify or otherwise ompenste the Insure ginst loss, estrution, mge, injury, liility or ispute (s esrie in n sujet to the terms, onitions, limits n exlusions of this Poliy or ny Setion of it) ourring or rising in onnetion with the Business uring the Perio of Insurne or ny susequent perio for whih the Insurer grees to ept renewl premium. For Allinz Insurne pl Jonthn Dye Chief Exeutive 5

8 Complete Business Poliy Woring Poliy Definitions The following efinitions pply to this Poliy (unless mene y Setion Definitions) n re enote y pitl first letter throughout this Poliy. Builing/Builings Builings elonging to the Insure or for whih they re responsile t the Premises eing, unless more speifilly esrie, uilt minly of rik, stone, onrete or other non-omustile mterils, inluing: tennts improvements, lnlor s fixtures n fittings, wlls, gtes n fenes n in so fr s they re not otherwise insure n for whih the Insure is responsile: fixe glss n snitrywre smll outsie uilings, nnexes, gngwys, onvenienes n other smll strutures extensions ommuniting with the uilings ros, r prks, yrs, pve res, pvements n footpths seurity mers n lights fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories n extening to the puli mins Business Business esription stte in the Sheule Computers n Eletril Offie Equipment All omputer n nillry eletril offie equipment elonging to the Insure or for whih they re responsile inluing ssoite t rrying mterils ut exluing progrms or informtion reore thereon Contents Mhinery, plnt n ll other ontents elonging to the Insure or hel y the Insure in trust n for whih the Insure re responsile (other thn lnlor s fixtures n fittings, Stok, Computers n Eletril Offie Equipment, n other Property speifilly esrie in the Sheule) whilst in or on the Builings, inluing: ltertions n eortions fixe glss n snitrywre ontents in the open yrs Money, for n mount not exeeing 1,000 in totl omputer systems reors, ut only for the ost of the mterils n of leril lour n omputer time expene in reprouing suh reors, for n mount not exeeing 25,000 in totl ptterns, moels, mouls, plns or esigns n in so fr s they re not otherwise insure employees, iretors n visitors personl effets of every esription (other thn motor vehiles), for n mount not exeeing 1,000 for ny one person Dmge/Dmge Loss or estrution of or mge Exess First prt of eh n every lim, for whih the Insure is responsile, speifie in the Sheule Insure Insure nme n shown in the Sheule Insurer Allinz Insurne pl Money Csh, nk n urreny notes, reit rs, telephone rs, heques, rosse nkers rfts, postl orers, lunheon vouhers, urrent postge stmps, tring stmps, Ntionl Insurne stmps, Holiy with Py stmps, Ntionl Svings stmps, Ntionl Svings ertifites, Premium Bons, reit sles vouhers or reeipts, VAT purhse invoies, unexpire units in frnking mhines, gift tokens n onsumer reemption vouhers elonging to the Insure or for whih the Insure re responsile Perio of Insurne Perio from the effetive te to the renewl te s shown in the Sheule Poliy Your ontrt of insurne me up of the ouments s esrie in the Introution Premises Aress s stte in the Sheule ees, ouments, mnusripts n usiness ooks, ut only for the ost of the mterils n leril lour expene in reprouing suh reors 6

9 Complete Business Poliy Woring Property/Property Insure Builings, Contents, Stok n other items shown n/or esrie in the Sheule The Insurer grees to ept the heing uner whih ny Property or other item hs een entere in the ooks of the Insure Sheule Prt of this Poliy tht etils informtion forming prt of this ontrt n tht shows the opertive Setions of this Poliy Setion/Setions Prts of this Poliy tht etil the insurne over provie y this Poliy Stok All stok n mterils in tre elonging to the Insure or hel y the Insure in trust n for whih the Insure re responsile, whilst in the Builings Sum Insure Mximum mount the Insurer will py for eh item insure uner ny Setion Totl Sum Insure Totl mount pyle y the Insurer uner ny Setion Unoupie Any Builing or prt of ny Builing whih is empty or unfurnishe or untennte or no longer in tive use y the Insure or ny tennt of the Insure for perio exeeing 30 onseutive ys 7

10 Complete Business Poliy Woring Poliy Conitions Applile to the Poliy unless stte to the ontrry uner the onitions in the Setions 1 Conitions Preeent to Liility If the Insure oes not omply with ny prt of ny onition whih mkes pyment of lim onitionl upon ompline with it ( onition preeent), the Insurer will not py for ny lim, exept tht where the onition onerne: 8 opertes only in onnetion with prtiulr premises or lotions, the Insurer will py for lims rising out of n event ourring t other premises or lotions whih re not speifie in the onition; opertes only t prtiulr times, the Insurer will py for ny lim where the Insure shows on the lne of proilities tht its non-ompline with the onition i not use or ontriute to the injury, loss, mge or liility whih ourre; woul, if omplie with, ten to reue prtiulr types of injury, loss, mge or, s the ontext my require liility, the Insurer will py for ny lim where the Insure shows on the lne of proilities tht its non-ompline with the onition i not use or ontriute to the injury, loss, mge or liility whih ourre. 2 Fir Presenttion of the Risk The Insure must mke fir presenttion of the risk to the Insurer t ineption, renewl n vrition of the Poliy. The Insurer my voi the Poliy n refuse to py ny lims where ny filure to mke fir presenttion is: i elierte or rekless; or ii of suh other nture tht, if the Insure h me fir presenttion, the Insurer woul not hve issue the Poliy. The Insurer will return the premium pi y the Insure unless the filure to mke fir presenttion is elierte or rekless. If the Insurer woul hve issue the Poliy on ifferent terms h the Insure me fir presenttion, the Insurer will not voi the Poliy (exept where the filure is elierte or rekless) ut the Insurer my inste: i reue proportiontely the mount pi or pyle on ny lim, the proportion for whih the Insurer is lile eing lulte y ompring the premium tully hrge s perentge of the premium whih the Insurer woul hve hrge h the Insure me fir presenttion; n/or ii tret the Poliy s if it h inlue suh itionl terms (other thn those requiring pyment of premium) s the Insurer woul hve impose h the Insure me fir presenttion. For the purposes of this luse referenes to: voiing Poliy mens treting the Poliy s if it h not existe from the ineption te (where the filure to mke fir presenttion of the risk ours efore or t the ineption of the Poliy), the renewl te (where the filure ours t renewl of the Poliy), or the vrition te (where the filure ours when the Poliy is vrie); refuns of premium shoul e trete s refuns of premium k to the ineption te, renewl te or vrition te s the ontext requires; issuing Poliy shoul e trete s referenes to issuing the Poliy t ineption, renewing or vrying the Poliy s the ontext requires. 3 Resonle Preutions The Insure shll tke ll resonle re: e to prevent ients n ny injury or Dmge to oserve n omply with sttutory or lol uthority lws, oligtions n requirements in the seletion n supervision of employees to mintin the Builings, Contents n everything use in the Business in effiient n sfe working orer to mke goo or remey ny efet or nger whih eomes pprent n tke suh itionl preutions s the irumstnes my require. 4 Clims Ation y the Insure The Insure shll in the event of ny injury, Dmge or onsequentil loss s result of whih lim is or my e me uner this Poliy or ny Setion of it, n gin upon reeipt y the Insure in writing of ny notie of ny lim or legl proeeing: notify the Insurer within 30 ys, or within 7 ys in the se of Dmge or onsequentil loss y riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons or theft, or suh further time s the Insurer my llow notify the Insurer immeitely upon eing vise of ny proseution, inquest or enquiry onnete with ny injury, Dmge or onsequentil loss whih my form the sujet of lim uner this Poliy notify the polie s soon s it eomes evient tht ny Dmge hs een use y theft or mliious persons not py or offer or gree to py ny money or mke ny mission of liility without the previous onsent of the Insurer

11 Complete Business Poliy Woring e f g h i j pss immeitely, n unknowlege, ny letter of lim to the Insurer rry out n permit to e tken ny tion whih my e resonly prtile to prevent further Dmge or onsequentil loss retin unltere n unrepire nything in ny wy onnete with the injury, Dmge or onsequentil loss for s long s the Insurer my resonly require furnish with ll resonle espth t the Insure s expense i suh further prtiulrs n informtion s the Insurer my resonly require ii if require, sttutory elrtion of the truth of the lim iii etils of ny other insurnes overing the sujet mtter of the lim uner this Poliy n ny mtters onnete with it mke ville t the Insure s expense ny ouments require y the Insurer with regr to ny letter of lim llow the Insurer in the nme of n on ehlf of the Insure to tke over n, uring suh perios s the Insurer thinks proper, to hve the solute onut n ontrol of ll negotitions n proeeings whih my rise in respet of ny lim n the settlement thereof n o-operte fully with the Insurer for tht purpose. No lim uner this Poliy shll e pyle unless the terms of this Poliy Conition hve een omplie with n ny pyment on ount of lim lrey me shll e repi to the Insurer. 5 Clims The Rights of the Insurer In respet of Dmge for whih lim is me, the Insurer n ny person uthorise y the Insurer my without inurring ny liility or iminishing ny of the Insurer s rights in respet of the over uner this Poliy, enter Premises where suh Dmge hs ourre, n tke possession of or require to e elivere to the Insurer ny Property Insure, n to el with suh Property for ll resonle purposes n in ny resonle mnner. No Property my e none to the Insurer, whether tken possession of y the Insurer or not. 6 Cnelltion Insure's Cnelltion Rights The Insure hs the right to immeitely nel the over within 14 ys of the ommenement of over or the reeipt of Poliy oumenttion, whihever is the lter (this perio is referre to s the ooling off perio ). The Insure shoul exerise this right y ontting their insurne viser or y writing to the Allinz offie whih issue the Poliy oumenttion. If the Insure oes exerise their right to nel uring the ooling off perio, n provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne, the Insure will e entitle to return of premium lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments outstning t the te of nelltion. If the ooling off perio hs expire, the Insure my nel the Poliy uring the Perio of Insurne y giving 14 ys notie in writing to their insurne viser or the Allinz offie whih issue the Poliy. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to refun of the premium pi lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. Insurer's Cnelltion Rights In ition to the Insurers' rights set out elsewhere in the Poliy, inluing ut not limite to Conition 2 (Fir Presenttion of the Risk) n Conition 7 (Fru), where there is vli reson for oing so the Insurer my nel this Poliy t ny time y giving the Insure t lest 14 ys notie in writing sent to the Insure s lst known ress. The notie will set out the reson for nelltion. The Insurer will not py for ny lim unless the terms of this Poliy Conition hve een omplie with. 9

12 Complete Business Poliy Woring Poliy Conitions (ontinue) Vli resons for nelltion my inlue ut re not limite to: e f g Non pyment of premium (inluing if the premium for this Poliy is pi y instlments n in the event tht the Insure fils to py one or more instlments whether in full or in prt). In the event tht premium pyment is misse the Insurer will write to the Insure notifying them tht pyment hs een misse n requesting pyment y speifi te. If pyment is not reeive y the Insurer y the speifi te the Insurer will sen finl letter to the Insure requesting pyment y finl te whih will e set out in the finl letter. If pyment is not reeive y the finl te the Insurer will nel the poliy with immeite effet. The Insure will e notifie in writing if the poliy is nelle; Continue filure y the Insure to omply with the terms n onitions of this Poliy; Filure y the Insure to llow the Insurer to omplete survey (where the Poliy hs een issue or renewe sujet to survey); Filure y the Insure to here to, or implement, ny risk improvement requirements or onitions require y the Insurer, inluing ny hnges require y ny survey or lims justers report, within resonle perio of time s vise y the Insurer; Mteril hnge in the risk or the sums insure; Filure y the Insure to o-operte with the Insurer or provie the Insurer with informtion or oumenttion resonly require y the Insurer n the lk of oopertion y the Insure ffets the Insurers ility to proess lim or efen the Insurers interests or mke risk se unerwriting eisions. In this se the Insurer will write to the Insure giving notie of nelltion of this Poliy in the event tht the Insure oes not ooperte to provie the informtion or oumenttion resonly require within perio of 14 ys strting from the te provie in the letter; or The Insure s use of thretening, usive or intimiting ehviour or inpproprite lnguge or ullying of the Insurers stff or suppliers. If the Insurer oes nel this Poliy, provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to proportionte return of the premium in respet of the unexpire Perio of Insurne. The mount of premium refun pyle will e reue y ll unpi premiums or unpi premium instlments ue. 7 Fru If the Insure or nyone ting on the Insure's ehlf: mkes ny flse or fruulent lim; mkes ny exggerte lim; supports lim y flse or fruulent ouments, evies or sttements (whether or not the lim is itself genuine); or mkes lim for loss or mge whih the Insure or nyone ting on the Insure's ehlf eliertely use; the Insurer will: i refuse to py the whole of the lim; n ii reover from the Insure ny sums tht it hs lrey pi in respet of the lim. The Insurer my lso notify the Insure tht it will e treting the Poliy s hving terminte with effet from the te of the erliest of ny of the ts set out in su-luses ove. In tht event, the Insure will: hve no over uner the Poliy from the te of the termintion; n not e entitle to ny refun of premium. 8 Surogtion Any limnt uner this Poliy shll, t the Insurer s request n expense, tke or permit to e tken ll neessry steps for enforing rights ginst ny other prty in the nme of the Insure, efore or fter the Insurer mkes ny pyment. The Insurer grees to wive ny suh rights to whih the Insurer might eome entitle y surogtion ginst ny ompny stning in reltion of prent to susiiry (or susiiry to prent) to the Insure or ginst ny ompny whih is susiiry of prent ompny of whih the Insure re themselves susiiry, in eh se within the mening of the Compnies At or Compnies (Northern Ireln) Orer urrent t the time of the Dmge. 9 Aritrtion If ny ifferene rises s to the mount to e pi uner this Poliy (liility eing otherwise mitte y the Insurer), suh ifferene shll e referre to n ritrtor to e ppointe y the Insure n the Insurer in orne with sttutory provisions. Where ny ifferene is referre to ritrtion in orne with this onition, the mking of n wr shll e onition preeent to ny right of tion ginst the Insurer. 10

13 Complete Business Poliy Woring 10 Lw Applile n Jurisition Unless gree otherwise y the Insurer: the lnguge of the Poliy n ll ommunitions relting to it will e English; n, ll spets of the Poliy inluing negotition n performne re sujet to English lw n the eisions of English ourts. 11 Rights of Prties A person or ompny who ws not prty to this Poliy hs no right uner the Contrts (Rights of Thir Prties) At 1999 or ny susequent legisltion to enfore ny term of this Poliy ut this oes not ffet ny right or remey of thir prty whih exists or is ville prt from suh At. 12 Non Invlition This Poliy shll not e invlite y: ny t or omission or y ny ltertion unknown to or eyon the ontrol of the Insure y whih the risk of Dmge is inrese, provie tht the Insure shll give notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission or ltertion workmen on the Premises rrying out repirs, generl mintenne work or minor struturl or other ltertions. 13 Dishrge of Liility The Insurer my t ny time py to the Insure in onnetion with ny lim or series of lims: the Limit of Inemnity, or the Sum Insure, or lesser mount for whih suh lim or lims n e settle fter eution of ny sums lrey pi n less the mount of ny Exess. The Insurer will not mke ny further pyment in respet of suh lim or lims exept for osts n expenses whih the Insurer hs lrey gree to er n whih were inurre prior to suh pyment. 14 Protetions The Insure must: ensure tht ll seurity protetions in fore t the Premises t the ineption of this Poliy or susequently s stipulte y or gree y the Insurer shll e in full opertion seuring the Premises whenever the Premises re lose for usiness or Unoupie remove ll keys inluing uplite keys reltive to the seurity of the Business from the Premises exept from ny prt of the Premises within whih the Insure or n uthorise keyholer resies when the Premises re lose for usiness or Unoupie. 15 Fire Preutions In respet of fire extinguishing pplines within the Premises the Insure must: inspet the pplines in orne with the mnufturer/instllers' instrutions for the purpose of sertining tht they re in ll respets mintine in proper working orer mintin uring the Perio of Insurne mintenne ontrt proviing for n nnul inspetion with n instller or supplier of pprove equipment n remey promptly ny efet whether islose y suh inspetion(s) or otherwise. The Insure must lso ensure tht ll fire rek oors n shutters re kept lose exept uring working hours n re mintine in effiient working orer. 16 Intruer Alrm It is onition preeent to liility tht where the Premises or prt of the Premises re protete y n Intruer Alrm Instlltion s speifie y the seurity level etile in the Poliy Sheule: suh Intruer Alrm Instlltion i must not e ltere or mene in ny wy unless suh menment or ltertion hs een pprove in writing y the Insurer ii must e mintine uner ontrt with the instllers or s otherwise pprove in writing y the Insurer ll keys to the Intruer Alrm Instlltion must e remove from the Premises when the Premises re unttene the Insure must: i mintin the serey of oes for the opertion of the Intruer Alrm Instlltion n no etils of suh oes shll e left on the Premises when the Premises re unttene ii where remote signlling lrm is require, immeitely notify the Insurer upon reeipt of ny ommunition giving notie tht the level of response to the Intruer Alrm Instlltion hs een or will e reue 11

14 Complete Business Poliy Woring Poliy Conitions (ontinue) e iii ppoint t lest 2 keyholers n, where remote signlling lrm is require, loge written etils (whih must e kept up to te) with the lrm ompny n the lrm reeiving entre in the event of notifition of i ny lrm fult ii tivtion of the Intruer Alrm Instlltion iii interruption of the mens to trnsmit or reeive signls to or from the Intruer Alrm Instlltion uring ny perio tht the Intruer Alrm Instlltion is set keyholer must tten the Premises s soon s possile the Premises must not e left without t lest one Responsile Person in ttenne without the greement of the Insurer i unless the Intruer Alrm Instlltion is set in its entirety n with the mens to trnsmit or reeive signls (inluing the signlling pth or pths) in full n effetive opertion ii where the polie hve withrwn their response to 1 n lrm tivtion (where the Intruer Alrm Instlltion oes not inlue onfirme lrm tivtion tehnology) 2 onfirme lrm tivtion where the Intruer Alrm Instlltion inlues onfirme lrm tivtion tehnology. For the purposes of this onition the following efinitions pply: Intruer Alrm Instlltion shll inlue ll the omponent prts etile in the lrm speifition n inlue the evies use to trnsmit or reeive signls. Keyholer shll men the Insure or ny person or keyholing ompny uthorise y the Insure who 1 is ville t ll times to i ept notifition of fults or lrm signls relting to the Intruer Alrm Instlltion ii tten n llow ess to the Premises 2 hs een fully trine in the opertion of the Intruer Alrm Instlltion inluing ut not limite to the setting/unsetting of the instlltion. Responsile Person shll men person uthorise y the Insure to e responsile for the seurity of the Premises 17 Unoupie Builings It is onition preeent in respet of ny Unoupie Builings tht e mins servies shll e swithe off n the wter system rine unless i eletriity is neee to mintin ny fire or intruer lrm system(s) in opertion ii mins servies re neee to mintin ny sprinkler system(s) in full working orer. In these irumstnes heting must e mintine t minimum temperture of 5 egrees Centigre. the Builings or portion thereof shll e inspete thoroughly oth internlly n externlly t lest weekly y the Insure or employees of the Insure n i reor mintine of suh inspetions ii ll efets in seurity n mintenne re retifie immeitely umultions of omustile mterils shll e remove the Builings or portion thereof shll omply with the seurity level requirements stte on the Sheule n e seure ginst unlwful entry inluing the setting of ll seurity loking n other seurity mehnisms in opertion the Insure must notify the Insurer immeitely if the Builings or portion thereof re to e oupie y ontrtors for renovtion, ltertion or onversion purposes The Insurer shll lso hve the right to vry the terms or nel over where pproprite. 18 Wste Conition The Insure must ensure tht: All hzrous n/or omustile tre wste from mnufturing proesses suh s swust, shvings, lippings or uttings e swept up n gge ily n remove from the Builing t lest one week. All wste store externl to the Builing pening olletion shoul e store in: i non-omustile, lose, lie ontiners or ii wste ontiners kept t lest 5 metres from ny uiling or other property n remove from the Premises when the ontiners re full. All oily n/or gresy wste n loths whih remin in the Builing overnight e kept in metl lie ontiners. 12

15 Complete Business Poliy Woring 19 Stillge Conition Contents, Stok, Computers n Eletril Offie Equipment whih re movele in ny sement or ellr must e rise t lest 10 entimetres ove the floor. 20 Smoking Conition It is onition preeent to liility tht the Insure will: enfore no smoking poliy t the Premises whih omplies with urrent legisltion only llow smoking in lerly mrke, speifilly esignte smoking res, whih omply with urrent legisltion in ll esignte smoking res, provie metl reeptles with metl lis, for the sfe isposl of wste smoking mterils ensure tht wste smoking mterils, when eing remove from the esignte smoking res, re kept seprte from other omustile wste mteril n re store in metl reeptles with metl lis whilst witing finl removl from the Premises. 21 Chnge of Risk The Insure must notify the Insurer s soon s possile if uring the Perio of Insurne there is ny ltertion: in or to the Business; to or t the Premises; to the fts or mtters set out in the Sttement of Ft or otherwise omprising the risk presenttion me y the Insure to the Insurer t ineption, renewl or vrition of the Poliy; whih mterilly inreses the risk of injury, loss, Dmge or liility. Upon eing notifie of ny suh ltertion, the Insurer my, t its solute isretion: ontinue to provie over uner this Poliy on the sme terms; restrit the over provie uner this Poliy;. If the Insure fils to notify the Insurer of ny mteril ltertion of the risk, the Insurer my: tret the Poliy s if it h ome to n en s t the te of the ltertion of the risk, returning proportionte mount of the premium for the unexpire Perio of Insurne, if the Insurer woul hve nelle the Poliy h it known of the inrese in risk; tret the Poliy s if it h ontine suh terms (other thn relting to premium) or other restritions (if ny) from the te of the ltertion in risk s the Insurer woul hve pplie h it known of the inrese in risk; reue proportiontely the mount pi or pyle on ny lim, the proportion for whih the Insurer is lile eing lulte y ompring the premium tully hrge s perentge of the premium whih the Insurer woul hve hrge h it known of the inrese in risk. 22 Other Insurnes If t the time of ny Dmge there is ny other insurne overing suh inients, the Insurer will only py their rtele proportion of suh loss. 23 Survey n Risk Improvement Conition If this Poliy hs een issue or renewe sujet to the Insurer ompleting survey or surveys of the Premises or of ny other lotion(s) s speifie y the Insurer, then pening ompletion of suh survey(s) over is provie y the Insurer on the terms, onitions, provisions, exlusions n limits s speifie in the Poliy n in the Setions of the Poliy. In the event tht survey shoul show tht risk or ny prt of it is not stisftory in the opinion of the Insurer, then the Insurer reserves the right to either: lter the premium or terms n onitions of the over or suspen or nel over i from the te over ws inepte or renewe, or ii for ny other perio speifie y the Insurer e impose itionl terms; lter the premium; nel the poliy. It is onition preeent to the liility of the Insurer tht the Insure must omply with ll survey risk improvements require y the Insurer within ompletion time sles speifie y the Insurer. In the event tht risk improvement is not omplete or risk improvement proeures re not introue within the ompletion time sles speifie y the Insurer, then the Insurer reserves the right to either: 13

16 Complete Business Poliy Woring Poliy Conitions (ontinue) 1 ontinue over sujet to ltertion of the terms n onitions of suh over, or 2 suspen or nel over effetive from the te over ws inepte or renewe or from the expiry of ny time perio speifie y the Insurer for ompletion/introution of the require survey risk improvements, or for ny other perio speifie y the Insurer If the terms or onitions of over re mene y the Insurer, then the Insure will hve 14 ys to ept or rejet the revise sis of over. If the Insure elet to rejet the revise sis of over, then provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to refun of the premium pi lulte on pro-rt sis, less n ministrtion hrge of 25 to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. If the Insurer exerises the right to suspen or nel over, then provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure will e entitle to proportionte return of the premium in respet of suh perio tht over is suspene or for ny perio eyon the effetive te from whih over is nelle. The mount of premium refun pyle will e reue y ll unpi premiums or unpi premium instlments ue. Exept in so fr s they re expressly vrie y this onition, ll of the terms, onitions, provisions, exlusions n limits of the Poliy n of the Setions of the Poliy shll ontinue to pply until the Insurer vises otherwise. To the extent tht this onition onflits with ny other nelltion onition, this onition shll previl. 24 Minimum Level of Seurity This onition is only pplile where stte y luse pplie to the Poliy. It is onition preeent to liility tht the following requirement, inluing ny lrm requirement where speifie y the seurity level etile in the Poliy Sheule, re met within 60 ys of the ineption or menment of the Poliy. Any lterntive methos of seuring the Premises must e gree in writing y the Insurer. The Insure must ensure these mesures re in fore when the Premises re lose for usiness or unttene. Seurity Level 1 The over provie is sujet to the following minimum stnrs of seurity. Doors Depening on whih of the following oor types re present, the following requirements pply to ll externl oors n internl oors whih le to nother prt of the Builing whih the Insure o not oupy; 1 UPVC, or Aluminium or plsti frme glze oors multipoint lok whih, where instlle fter 30/06/2011, onforms to PAS 3621 (inluing menments) or yliner operte mortise elok. For oule oors, the first losing setion must hve integrl or surfe mounte olts whih shoot into the frme t the top n the floor t the ottom of the oor. The finl losing setion must hve yliner operte mortise elok. 2 Armoure plte glss oors oor mnufturer s integrl loks. 3 Other single-lef oors provie the oor thikness is minimum of 44mm mortise elok to BS 3621 (inluing menments) n oxe steel striking plte t lest 175mm long shoul e fitte. If the oor thikness is less thn 44mm seure with eloking rim lok to BS 3621(inluing menments). The Insure must put either of these into the elok position when the Premises re lose for usiness or unttene. 4 Doule-lef oors seure the finl losing setion with lok s esrie in 3 ove n seure the first losing setion with olts t lest 175mm long n hving minimum throw of 20mm, whih shoot into the frme t the top n the floor t the ottom of the oor. Or, fit one setion with olts t the top n ottom (s esrie ove) n oth prts of the oor with plok n loking r. If the loking r is on the outsie of the oor, it must e use with plok onforming to BS EN Seurity Gre 5 (inluing menments). If the loking r is internl, it must e use with plok onforming to BS EN Seurity Gre 4 (inluing menments). The plok r must e of similr strength to the plok n esigne to e use speifilly with the plok, in oth ses the plok r must e seure to the oor with oh olts. 14

17 Complete Business Poliy Woring 5 Fire exit oors the relevnt enforing uthority must pprove ny loks on these oors. The Insurer must pprove ny loks or other metho of seurity the Insure grees following isussion with the enforing uthority. 6 Foling oors seure ll foling setions with olts t top n ottom, s esrie in 4 ove. Depenent upon its onstrution, the lst setion must e seure with lok s esrie in 3 ove or with oh olte loking r n plok s esrie in 4 ove. 7 Sliing oors oh-olte loking r n plok seure s esrie in 4 ove, or elok with hook olt whih onforms to BS 3621(inluing menments). 8 Wiket gtes epenent upon its onstrution (see ove) mortise elok or eloking yliner rim-lth to BS 3621 (inluing menments) or loking r n plok s in 4 ove. 9 Roller Shutters these must onform to LPS 1175 (inluing menments). For eletrilly operte roller shutters, the Insure must fit key operte isoltion swith to the eletriity supply to the ontrols. If this is not fitte then one of the mesures for mnully operte roller shutters shown elow must e instlle. Winows All winows in externl wlls t groun floor n sement levels n ny winows, fnlights n skylights in essile positions (essile mens winow, fnlight n skylight tht n e esily rehe, suh s one next to low roof, espeilly flt roof or fire espe) whih were originlly me to open must hve either: 1 Winow loks tht use key. Louvere winows must e reple with either fixe glss, or norml opening winow whih n e seure with winow lok use with key. 2 Soli steel rs, fitte horizontlly or vertilly, not less thn 19mm in imeter n not more thn 125mm prt. These must e seurely fixe to the rikwork or msonry roun the winow to epth of t lest 50mm. These must e set k y t lest 50mm from the outsie surfe of the wll. The rs must pss through tie rs, me of flt iron, t lest 6mm thik n 40mm wie n the istne etween the tie rs must not e more thn 600mm. Keys The Insure must remove ll keys from the loks n keep them in seure ple or remove them from the Premises. If the Insure lives on the Premises, they must e remove to seure ple in the resientil prt of the Premises. Where the operting ontrols for the roller shutters re externl to the Premises, these re to e seure within wele steel housing of t lest 3mm thikness with oor or overplte seure with plok onforming to BS EN Seurity Gre 4 (inluing menments). The housing is to e so seure when the Premises re lose for usiness or unttene The Insurer requires one of the following for mnully operte roller shutters: key operte "pinson" or "ullet" loks into eh guie ril fitte s lose to the ottom of the oor s possile the hin of the oor eing seure to the wll rket y goo-qulity open-shkle plok onforming to BS EN Seurity Gre 4 (inluing menments). olt fitte to the shutter oor internlly with the olt engging into the oor runner n ploke into position using plok onforming to BS EN Seurity Gre 4 (inluing menments). 15

18 Complete Business Poliy Woring Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over: 1 Territoril Limits Dmge, injury or liility rising out of ny ourrene outsie Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn, exept where stte to the ontrry. 2 Wr Loss, estrution, mge, eth, injury, islement or liility or ny onsequentil loss osione y wr, invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power. 3 Riotive Contmintion Loss or estrution of or mge to ny property whtsoever or ny loss or expense whtsoever resulting or rising therefrom or ny onsequentil loss or ny legl liility of whtsoever nture iretly or iniretly use y or ontriute to y or rising from: ionising ritions from or ontmintion y riotivity from ny nuler fuel or from ny nuler wste or from the omustion of nuler fuel the riotive, toxi, explosive or other hzrous or ontminting properties of ny nuler instlltion, retor or other nuler ssemly or nuler omponent thereof ny wepon or other evie utilizing riotive mteril n/or mtter n/or ionising rition n/or tomi or nuler fission n/or fusion or other like retion the riotive, toxi, explosive or other hzrous or ontminting properties of ny riotive mtter. Exlusions 3 n 3 o not pply to Setion 7 Employers' Liility other thn in respet of: i ii the liility of ny prinipl liility ssume y the Insure uner ontrt or greement whih woul not hve tthe in the sene of suh ontrt or greement. Exlusions 3 n 3 o not pply to Setion 7 Employers' Liility, Setion 8 Puli n Prouts Liility n Setion 10 Personl Aient. 4 Soni Bngs Dmge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees. 5 Northern Ireln Loss, estrution or mge n ny onsequentil loss in Northern Ireln osione y or hppening through or in onsequene iretly or iniretly of riot, ivil ommotion n (exept in respet of loss, estrution or mge or ny onsequentil loss y fire or explosion) strikers, loke-out workers, persons tking prt in lour isturnes or mliious persons. 6 Pollution or Contmintion Loss, estrution or mge use y or resulting from pollution or ontmintion exept suh loss or estrution of or mge to the Property Insure or, if pplile, loss resulting from loss or estrution of or mge to property use y the Insure t the Premises for the purpose of the Business use y pollution or ontmintion whih itself results from fire, lightning, explosion, irrft or other eril evies or rtiles roppe therefrom, riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons other thn thieves, erthquke, storm, floo, ursting, overflowing, ishrging or leking of wter tnks, wter pprtus or wter pipes, sprinkler lekge or impt y ny ro vehile or niml, lwys provie tht suh peril is insure y this Poliy ny of the perils liste in 6 whih itself results from pollution or ontmintion. 7 Chnges In Wter Tle Level Dmge ttriutle solely to hnges in the wter tle level. 8 E-Risks loss or estrution of or mge to ny Computer Equipment (s efine t the en of this Exlusion) onsisting of or use iretly or iniretly y: i progrmming or opertor error whether y the Insure or ny other person ii Virus or Similr Mehnism (s efine t the en of this Exlusion) iii Hking (s efine t the en of this Exlusion) iv mliious persons v filure of externl networks unless, in respet of i, ii n iii, suh loss or estrution or mge results from onurrent or susequent use not exlue y this or ny other poliy exlusion 16

19 Complete Business Poliy Woring e ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, resulting iretly or iniretly from the type of loss or estrution or mge esrie in prgrph of this Exlusion unless, in respet of i, ii or iii, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion loss or estrution of or mge to ny property other thn Computer Equipment where it rises iretly or iniretly out of loss or estrution of or mge to ny Computer Equipment of the type esrie in prgrph of this Exlusion unless, in respet of loss or mge to other property rising from i, ii or iii, resulting from onurrent or susequent use not exlue y this or ny other poliy exlusion loss or estrution of or mge either to Computer Equipment or ny other property where it onsists of or rises iretly or iniretly out of: i the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotions, or mliious persons ii the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre ue to ny use not inlue in i iii ny misinterprettion, use or misuse of informtion on omputer systems or other reors, progrms or softwre unless, in respet of ii n iii, suh loss, estrution or mge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, where it rises iretly or iniretly from the type of loss or estrution or mge esrie in prgrphs n of this Exlusion unless, in respet of, ii n iii, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion. For the purpose of this Exlusion: Computer Equipment mens omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves t, or ny prt thereof, whether the property of the Insure or not, whether tngile or intngile n inluing without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm oe, progrmming instrution or other set of instrutions intentionlly onstrute with the ility to mge, interfere with or otherwise versely ffet omputer progrms, t files or opertions (whether involving self replition or not), inluing ut not limite to Trojn Horses, Worms or Logi Boms. Hking mens unuthorise ess to ny omputer or omputer equipment, omponent, system or item, whether the property of the Insure or not, whih proesses, stores, trnsmits or retrieves t. 9 Computer Dte Exlusion Dmge or liility iretly or iniretly use y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving t, whether the property of the Insure or not, to hieve ny or ll of the purposes n onsequentil effets intene y the use of ny numer to enote te inluing the filure: orretly to reognise ny te s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion or ommn or instrution s result of treting ny te otherwise thn s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion s result of the opertion of ny ommn whih hs een progrmme into ny omputer softwre or firmwre, eing ommn whih uses the loss of t or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny t on or fter ny te ut in respet of Setion 1 Property Dmge only the insurne will py for ny susequent Dmge whih is not otherwise exlue n whih itself results from Events 1 to 8 of Setion 1 Property Dmge. 17

20 Complete Business Poliy Woring Poliy Exlusions 10 Exess Any Exess. 11Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: loss or estrution or mge or onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with In ny tion suit or other proeeings where the Insurer lleges tht y reson of this exlusion ny loss or estrution or mge or ny onsequentil loss is not overe (or is overe only up to speifie limit of liility), the uren of proving to the ontrry shll e upon the Insure. In the event ny prt of this exlusion is foun to e invli or unenforele, the reminer shll remin in fore n effet. i ii ny At of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relte to suh At of Terrorism In respet of ove n At of Terrorism (Terrorism) mens:- Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities irete towrs the overthrowing or influening, y fore or violene, of Her Mjesty s government in the Unite Kingom or ny other government e jure or e fto in respet of territories other thn those stte in ove: loss or estrution or mge or ny onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny t of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh t of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny t of Terrorism, or in ny wy relte to suh t of Terrorism In respet of ove n t of Terrorism (Terrorism) mens:- An t, inluing ut not limite to the use of fore or violene n/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitte for politil, religious, ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer. 18

21 Complete Business Poliy Woring Setion 1 Property Dmge Definitions Premises The Builings t the ress or resses shown in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile n eing, unless more speifilly esrie in the Sheule, oupie solely y the Insure for the purpose of the Business. Cover The Insurer will py the Insure for Dmge to Property Insure t the Premises use y ny of the Events opertive uner this Poliy n not otherwise exlue ourring uring the Perio of Insurne. Events 1 Fire, exluing Dmge to the Property Insure use y explosion resulting from fire y erthquke or suterrnen fire y its own spontneous fermenttion or heting, or its unergoing ny heting proess or ny proess involving the pplition of het to ny prtiulr piee of eletril pprtus or fitting whih hs use fire ue to self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity Lightning Explosion of oilers of gs use for omesti purposes only, ut exluing ny Dmge use y erthquke or suterrnen fire. 2 Explosion, exluing Dmge use y or onsisting of the ursting y stem pressure of oiler (not eing oiler use for omesti purposes only), eonomiser or other vessel, mhine or pprtus elonging to the Insure or uner the ontrol of the Insure, in whih internl pressure is ue to stem only in respet of n originting in ny vessel, mhinery or pprtus or its ontents, elonging to the Insure or uner the ontrol of the Insure, whih requires to e exmine to omply with ny sttutory regultions, unless there is in fore poliy of insurne or other ontrt proviing the require inspetion servie 3 Airrft or other eril evies or rtiles roppe from them 4 Riot, Civil Commotion, Strikers, Loke Out Workers, Persons Tking Prt in Lour Disturnes or Mliious Persons exluing Dmge rising from ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority Dmge rising from esstion of work Dmge i y theft or ttempte theft ii in respet of ny Builing(s) whih is/re Unoupie iretly use y mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut the Insurer will py for suh Dmge use y fire or explosion. 5 Erthquke 6 Suterrnen Fire 7 Storm, Tempest or Floo, exluing Dmge ttriutle solely to hnge in the wter tle level Dmge y frost, susiene, groun heve or lnslip Dmge in respet of fenes, gtes or movele property in the open Dmge to open-fronte or open-sie Builings or to Property ontine therein. 8 Espe of Wter from ny Tnk, Apprtus or Pipe, exluing Dmge y wter ishrge or leking from ny utomti sprinkler instlltion Dmge in respet of ny Builing whih is/re Unoupie. 9 Impt y ny ro vehile or niml 19

22 Complete Business Poliy Woring Setion 1 Property Dmge (ontinue) 10 Sprinkler Lekge Aientl espe of wter from ny utomti sprinkler instlltion in the Premises not use y: freezing whilst the Builing in so fr s it is in the Insure s ownership or tenny is Unoupie explosion, erthquke, suterrnen fire or het use y fire 11 Theft or Attempte Theft involving forile n violent entry to or exit from the Builings or hol-up y violene or thret of violene to the Insure or ny prtner, iretor, employee of the Insure or memers of their fmilies or ny other person who hs legl right to e on the Premises exluing Dmge: expeite or in ny wy rought out y the Insure or ny prtner, iretor or employee of the Insure or ny other person who hs legl right to e on the Premises to Money, ees, seurities, jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks unless suh property is speifilly esrie in the Sheule to Property in the open or in open sie or fronte uilings or in uilings not on permnent fountions unless suh uilings re speifilly esrie in the Sheule 12 Susiene, Groun Heve or Lnslip of ny prt of the Premises on whih the Property Insure stns exluing Dmge use y: e f ollpse, rking, shrinkge, expnsion or settlement of Builings or ny prt thereof ostl or river erosion efetive esign or workmnship or the use of efetive mterils inluing inequte onstrution of fountions settlement or movement of me up groun the norml settlement or eing own of new strutures Dmge to soli floor sls or resulting from their movement unless the fountions eneth the externl wlls of the Builings re Dmge t the sme time n from the sme use g h i Dmge to yrs, r prks, ros, pvements, lnlors fixtures n fittings, seurity lighting n mers, wlls, gtes, fenes, fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories, pve res or footpths unless the Builing insure y this Setion is Dmge y the sme use t the sme time whih origintes prior to the ineption of this over emolition, onstrution, struturl ltertion or repir to ny Builings or grounworks or exvtion t the sme Premises j Events 1, 2, 5, 6 or 8 Speil Conition The Insure shll notify the Insurer immeitely they eome wre of ny emolition, grounworks, exvtion or onstrution eing rrie out on the sme or ny joining site. The Insurer shll then hve the right to vry the terms or nel over in respet of susiene, groun heve or lnslip. 13 Aientl Dmge, exluing Dmge use y, or onsisting of, or rising from, or ttriutle to i ny of the Events ii ny of the exlusions to the Events speifie in Events 1 12 n 14, whether Events 1 12 n 14 re insure or not Dmge use y or onsisting of inherent vie, ltent efet, grul eteriortion, wer n ter, frost, its own fulty or efetive esign or mterils ut this shll not exlue Dmge whih itself results from use not otherwise exlue Dmge use y or onsisting of fulty or efetive workmnship, opertionl error or omission y the Insure or ny employee of the Insure ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from n insure Event ii susequent Dmge whih itself results from use not otherwise exlue Ats of fru or ishonesty y ny prtner, iretor or employee of the Insure ut this shll not exlue suh Dmge not otherwise exlue whih itself results from Events 1 12 n 14 20

23 Complete Business Poliy Woring e f g h i j k l Dmge use y or onsisting of orrosion, rust, wet or ry rot, shrinkge, evportion, loss of weight, mpness, ryness, mrring, srthing, vermin or insets, hnge in temperture, olour, flvour, texture or finish ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from Events 1 to 12 n 14 ii susequent Dmge whih itself results from use not otherwise exlue Dmge onsisting of i joint lekge, filure of wels, rking, frturing, ollpse or overheting of oilers, eonomisers, superheters, pressure vessels or ny rnge of stem n fee piping onnete to them ii mehnil or eletril rekown or erngement in respet of the prtiulr mhine, pprtus or equipment in whih suh rekown or erngement origintes ut this shll not exlue suh Dmge whih itself results from other Dmge n is not otherwise exlue, or susequent Dmge whih itself results from use not otherwise exlue Dmge use y ispperne, unexpline or inventory shortge or the misfiling or mispling of informtion Dmge use y norml settlement or eing own of new strutures Dmge to ny Builing or struture use y its own ollpse or rking, ut this shll not exlue suh Dmge resulting from other Dmge in so fr s it is not otherwise exlue Dmge in respet of fenes, gtes n movele Property in the open use y win, rin, hil, sleet, snow or ust Dmge to ny Property resulting from its unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir Dmge in respet of i jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks ii property in trnsit m n iii glss (other thn fixe glss), snitrywre (other thn fixe snitrywre), hin, erthenwre, mrle or other frgile or rittle ojets iv Money, ons or seurities of ny esription ut this shll not exlue other Dmge in so fr s it is not otherwise exlue Dmge to i vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft ii property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh property or strutures iii ln, ros, pvements, piers, jetties, riges, ulverts or exvtions iv livestok, growing rops or trees ut this shll not exlue suh Property speifilly esrie in the Sheule theft or ttempte theft 14 Espe of Oil from ny fixe heting instlltion exluing Dmge in respet of ny Builing or Property Insure in ny Builing whih is Unoupie Dmge unless use y suen ientifile unintene n unexpete inient whih hs tken ple in its entirety t speifi time n ple uring the Perio of Insurne the vlue of the oil lost Bsis of Settlement 1 The Insurer will py the Insure the vlue of the Property Insure t the time of its Dmge, or t the Insurer s option will reinstte or reple suh Property or ny prt of suh Property. 2 The most the Insurer will py for ny one lim is the Totl Sum Insure, or for eh item its iniviul Sum Insure, or ny other limit of liility in this Setion whihever is the less t the time of Dmge. 3 Any Exess will e eute from the mount pyle fter the pplition of ll terms n onitions of this Setion n the Poliy inluing ny Averge (Unerinsurne) Bsis of Settlement Ajustment. The Exess pplies to eh seprte Premises. 21

24 Complete Business Poliy Woring Setion 1 Property Dmge (ontinue) Automti Reinsttement In the sene of written notie y the Insure or the Insurer to the ontrry, in onsiertion of Sums Insure or limits of liility not eing reue y the mount of ny lim from the te of the Dmge, the Insure will py the pproprite itionl premium ue for the perio from the te of Dmge to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. Bsis of Settlement Ajustments Sujet to the terms, onitions, exlusions n limits of this Setion, in lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Reinsttement (Dy One Bsis) Sujet to the Speil Conitions set out elow, the sis on whih the mount pyle for Builings n Contents is to e lulte will e the reinsttement of the Property Dmge. For this purpose reinsttement mens i the reuiling or replement of Property Dmge whih, provie the Insurer s liility is not inrese, my e rrie out in ny mnner suitle to the requirements of the Insure on nother site ii the repir or restortion of Property Dmge in either se to onition equivlent to, or sustntilly the sme s, ut no etter or more extensive thn its onition when new. The Delre Vlue (shown in rkets elow the Sum Insure on the Sheule), hving een stte in writing y the Insure, hs een use to lulte the premium. Delre Vlue mens the ssessment y the Insure of the ost of reinsttement of Property Insure rrive t in orne with prgrph 1i of the Bsis of Settlement Ajustments t the level of osts pplying t ineption of the Perio of Insurne (ignoring infltionry ftors whih my susequently operte), together with, to the extent tht over provies, ue llowne for i ny itionl ost of reinsttement to omply with Puli Authorities regultions, ye-lws or stipultions ii professionl fees iii removl of eris osts Reinsttement (Dy One Bsis) Speil Conitions 1 At the ineption of eh Perio of Insurne, the Insure shll notify the Insurer of the Delre Vlue of Property Insure. In the sene of suh elrtion the lst mount elre y the Insure will e tken s the Delre Vlue for the new Perio of Insurne, ppropritely juste for Inex Linking where pplile. For the purposes of this Conition, Inex Linking shll e lulte in the following mnner. Sums Insure n/or Delre Vlues will e juste to tke into ount movements in the pproprite inex n renewl premiums will e se on the juste Sums Insure n/or Delre Vlues. For Builings, the Generl Builing Cost Inex issue y the Builing Cost Informtion Servie of the Royl Institute of Chrtere Surveyors (or some other suitle inex the Insurer eies upon) will e use. For Contents n other Property speifilly esrie in the Sheule (other thn Stok), the Retil Prie Inex (or some other suitle inex the Insurer eies upon) will e use. These hnges will ontinue to e pplie etween the te of ny Dmge n the te when replement or repir hs een omplete. 2 If t the time of Dmge the Delre Vlue of the Property is less thn the ost of reinsttement (s efine in prgrph 1i of the Bsis of Settlement Ajustments) t ineption of the Perio of Insurne, the mount pyle y the Insurer will e proportiontely reue. 3 The Insurer s liility for the repir or restortion of Property Dmge in prt only, shll not exee the mount whih woul hve een pyle if suh Property h een wholly estroye. 4 No pyment eyon the mount the Insurer woul hve pi in the sene of this luse will e me unless reinsttement ommenes n proees without unresonle ely until the ost of reinsttement hs tully een inurre where Property Insure t the time of Dmge is overe y ny other insurne effete y the Insure, or on ehlf of the Insure, whih is not on the sme sis of reinsttement. 22

25 Complete Business Poliy Woring 5 All the terms n onitions of this Setion n the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse where lims re pyle s if this luse h not een inorporte, exept tht Sums Insure will e limite to Delre Vlues. 2 Averge (Unerinsurne) The Sums Insure y ny items for Builings or Contents sujet to the Reinsttement (Dy One Bsis) luse re elre to e seprtely sujet to Averge s esrie in Speil Conition 2 of suh luse ny other items of Property Insure (other thn ny Sum Insure pplying solely to rent, fees, removl of eris or privte wellings) re elre to e seprtely sujet to Averge. This mens if t the time of Dmge the Sum Insure for ny item is less thn the vlue of the item overe y suh Sum Insure, the mount pyle y the Insurer will e proportiontely reue. 3 Contriution n Averge If t the time of Dmge ny other insurne hs een effete y or on ehlf of the Insure overing ny of the Property Dmge, the Insurer s liility uner this Setion shll e limite to the Insurer s rtele proportion of suh Dmge. If suh other insurne is sujet to Averge (Unerinsurne), this Setion if not lrey sujet to Averge shll e sujet to Averge in like mnner. If suh other insurne is sujet to ny provision whih exlues it from rnking onurrently with this Setion, either in whole or in prt, or from ontriuting rtely, the liility of the Insurer uner this Setion shll e limite to tht proportion of the Dmge whih the Sum Insure for this Setion ers to the vlue of the Property. 4 Puli Authorities Sujet to the Puli Authorities Speil Conitions set out elow, over for Builings n Contents inlues n mount in respet of ny itionl ost of reinsttement whih is inurre solely y reson of the neessity to omply with uiling or other regultions uner or frme in pursune of ny At of Prliment, with ye-lws of ny puli uthority or to omply with the stipultions of Europen Union legisltion, in onsequene of Dmge, exluing 1 the ost inurre in omplying with suh regultions, yelws or stipultions in respet of Dmge ourring prior to the grnting of this over in respet of Dmge not insure y this Setion uner whih notie hs een serve upon the Insure efore the te of the Dmge in respet of unmge Property or unmge portions of Property, other thn fountions (unless speifilly exlue) of tht portion of the Property Dmge 2 the itionl ost tht woul hve een require to mke goo the Property Dmge to onition equl to its onition when new, h the neessity to omply with suh regultions, ye-lws or stipultions not risen 3 the mount of ny hrge or ssessment rising out of pitl ppreition, whih my e pyle in respet of the Property, y reson of ompline with ny suh regultions, ye-lws or stipultions. Puli Authorities Speil Conitions 1 The work of reinsttement must e ommene n rrie out without unresonle ely n in ny se must e omplete within 12 months fter the Dmge, or within suh further time s the Insurer my llow, n my e rrie out upon nother site (if suh regultions, ye-lws or stipultions so neessitte), sujet to there eing no resulting inrese in the liility of the Insurer. 2 If the liility of the Insurer is reue y the pplition of ny of the terms n onitions of this Setion or the Poliy (other thn s result of this luse), the liility of the Insurer uner this luse will e reue in proportion. 3 The liility of the Insurer shll not exee in respet of ny one lim in respet of unmge portions of property (other thn fountions) 15% of the totl mount the Insurer woul hve een lile to py to reinstte the property if the Property Insure y the item t the Premises where Dmge ourre h een wholly estroye in respet of the property suffering Dmge the Sum Insure pplile to eh seprte premises 23

26 Complete Business Poliy Woring Setion 1 Property Dmge (ontinue) 4 All the terms n onitions of this Setion n the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse. 5 Servies Cover inlues telephone, gs, wter n eletri instruments, meters, piping, ling n their essories, inluing similr property in joining yrs or rowys or unergroun, ll pertining to Builings or Contents insure y this Setion, eing the property of the Insure or for whih the Insure re responsile. 6 Altertions n Aitions To the extent tht they re not otherwise insure, Builings n Contents items inlue ltertions, itions n improvements (ut not ppreition in vlue in exess of Sums Insure) to Builings, mhinery n plnt ny newly quire or newly erete Builings, mhinery or plnt within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, for no more thn 10% of the Sum Insure for eh item overe, or 500,000 in totl, whihever is the less, t ny one Premises or t ny one newly quire ress elsewhere thn t the Premises, provie tht the Insure shll give etils of suh ltertions n itions to the Insurer within 90 ys of the ommenement te of the Insure s responsiility, effet speifi over retrospetive to suh te n py the pproprite itionl premium. 7 Professionl Fees Sums insure n/or Delre Vlues for Builings n Contents inlue n mount in respet of rhitets, surveyors, legl n onsulting engineers fees, other thn where n item overing suh fees is speifilly esrie in the Sheule. Cover pplies only to those fees neessrily n resonly inurre in onsequene of Dmge, in the reinsttement or repir of Property Insure. 8 Removl of Deris Costs Sums insure n/or Delre Vlues for Builings, Contents n Stok inlue n mount in respet of removl of eris osts, other thn where n item overing suh osts is speifilly esrie in the Sheule. Cover pplies only to those osts neessrily n resonly inurre in onsequene of Dmge, in removing eris ismntling n emolishing shoring up or propping lering, lening n/or repiring rins, gutters n sewers for whih the Insure re responsile. The Insurer will not py for ny osts or expenses inurre in removing eris other thn from the site of suh Property Dmge n the re immeitely jent to suh site rising from pollution or ontmintion of Property not insure y this Setion. 9 Temporry Removl Property Insure (other thn Stok) is overe whilst temporrily remove for lening, renovtion, repir or similr purposes to ny ress elsewhere thn t the Premises, inluing whilst in trnsit, within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh property more speifilly insure Dmge to vehiles liense for ro use, in so fr s they re insure y this Setion, ourring elsewhere thn t the Premises from whih suh vehiles re remove more thn 10% of the sum insure for eh item overe, for Dmge ourring elsewhere thn t the Premises. 10 Temporry Removl Douments If ees n other ouments (inluing stmps on them), mnusripts, plns n writings of every esription, ooks n other usiness reors re inlue in the Property Insure, suh items re overe whilst temporrily remove to ny ress elsewhere thn t the Premises, inluing whilst in trnsit within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh items more speifilly insure more thn 10% of the totl vlue of suh items more thn 2,500 for omputer systems reors. 24

27 Complete Business Poliy Woring 11 Contrt Prie In respet only of goos sol ut not elivere, for whih the Insure remin responsile uner the terms of ontrt of sle, where suh ontrt of sle is nelle following Dmge y reson of its onitions, either wholly or to the extent of the Dmge, over will e se on the ontrt prie. For the purpose of this luse the vlue of ll goos to whih this sis of settlement oul pply in the event of Dmge will lso e sertine on this sis. 12 Customers Goos If the Insure hve represente to ustomers tht they will ept responsiility for Dmge to the goos of ustomers or to goos for whih suh ustomers my e leglly responsile, the Insurer grees tht ll suh goos in the Premises will e overe s Stok exept in so fr s they re more speifilly insure. 13 Rent Where n item overing rent is speifilly esrie in the Sheule, over pplies only if the Builing in respet of whih rent is pyle y or to the Insure, or ny prt of it, is unfit for ouption in onsequene of Dmge. The Insurer will not py for more thn the proportion of the Sum Insure on rent tht the perio neessry for reinsttement ers to the term of rent overe. 14 Dismntling n Re-eretion Costs Cover inlues the ost of ismntling, re-eretion, fitting n fixing of Contents following Dmge. 15 Fixe Glss n Neon/Illuminte Signs Cover extens to inlue Dmge to fixe glss, glss shelves, showses n ounter ses, mirrors n neon/illuminte signs. Following Dmge to fixe glss or neon/illuminte signs the Insurer will py the ost of ny neessry oring up or temporry glzing pening full replement repling lrm foil, lettering, pinting, emossing, silvering or other ornmentl work on glss Dmge to Contents or Stok use y roken glss Removing n re-fixing winow fittings n other ostles to repling roken glss The Insurer will not py for Dmge 1 in respet of neon n illuminte signs i rising from justment, repir, ismntling or eretion of ny prt of the sign, or whilst suh sign is remove from its norml working position ii rising from mehnil rekown of the sign or ny prt of the sign iii to ny prt of the sign y its own ignition eletril rekown or urn out iv to tues unless the glss is frture 2 existing prior to the ineption of this Setion 16 Fire Extinguishers, Sprinklers n Seurity Equipment The Insurer will py the resonle osts inurre y the Insure in re-filling, rehrging or repling ny fire extinguishers, lol or fixe fire suppression or gs flooing systems, sprinkler instlltions n sprinkler hes hving ny fire n/or intruer lrms n lose iruit television equipment re-set in onsequene of Dmge, provie tht i the Insure mintin ll suh equipment uner ontrt n in orne with the mnufturer s instrutions with mintenne ompny eptle to the Insurer ii the Insurer shll not e lile in respet of ny osts n expenses reoverle from the mintenne ompny or from the fire servie iii the liility of the Insurer in respet of ny one lim shll not exee 25, Metere Utilities Cover inlues itionl wter, gs, eletriity, oil or other metere supply hrges inurre y the Insure up to n mount of 25,000 ny one Perio of Insurne, in onsequene of Dmge, ut the Insurer will not py for suh hrges inurre in respet of ny Builing whih is Unoupie. The sis on whih the mount pyle is to e lulte will e the mount of the suppliers hrges for the perio uring whih Dmge ours, less the hrge pi y the lnsure for the orresponing perio in the preeing yer, juste for hrges in the suppliers' hrges n for vritions ffeting onsumption of the lnsure uring the intervening perio. 25

28 Complete Business Poliy Woring Setion 1 Property Dmge (ontinue) 18 Exhiitions Property Insure is overe whilst t ny exhiition within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, inluing whilst in trnsit to n from suh exhiition for perio not exeeing 15 ys. The most the Insurer will py in respet of ny one exhiition is 25, Tre n Aess In the event of Dmge in onsequene of espe of wter or fuel oil from ny tnk, pprtus or pipe, the Insurer will py osts neessrily n resonly inurre y the Insure in loting the soure of suh Dmge, n in the susequent mking goo of Dmge use s onsequene of loting suh soure, up to n mount of 25,000 ny one lim. 20 Seventy Two Hours Cluse Dmge ourring within 72 onseutive hours of n rising from Event 7 (Storm, Tempest or Floo) is eeme to e one lim. The Insure hve the right to selet the moment from whih the 72 hour perio shll e eeme to hve ommene within the terms of this Setion, provie tht suh Dmge ourre prior to expiry of the Perio of Insurne. 21 Intereste Prties The Insurer grees tht without prejuie to rights n liilities of the Insure or the Insurer, if t the time of Dmge the Insure hve ontrte to sell their interest in ny Builing overe, n the purhse hs not een ut shll fterwrs e omplete, the purhsers on ompletion of the purhse shll e entitle to enefit uner this Setion until ompletion, exept in so fr s suh Builing is more speifilly insure y or on ehlf of the purhser to note the interest of ny prty notifying their interest in ny of the Property Insure in writing, the nture n extent of suh interest to e islose in the event of Dmge. 23 Loks n Keys The Insurer will py the ost of repling keys, loks or lok mehnisms neessry to mintin the seurity of the Premises following theft of keys y fore or violene from within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns from ny iretor, prtner or employee of the Insure uthorise to hol suh keys, up to n mount of 5,000 for ny one lim. 24 Sesonl Inrese The Sum Insure in respet of Stok shll e inrese y 25% uring: the months of Novemer n Deemer perio of 14 ys preeing n sueeing ny Bnk Holiy other thn Bnk Holiy ourring uring Novemer n Deemer 25 Dmge to the Premises In the event tht Builings t the Premises re not overe y this Setion of the Poliy, the Insurer will py osts for whih the Insure re responsile, neessrily n resonly inurre y the Insure to repir Dmge to the Premises in onsequene of theft or ttempte theft (s insure y this Setion). The Insurer will lso py the ost of ny temporry oring-up or mking goo neessry to keep the Premises seure. 26 Mouls, Tools n Dies Cover inlues mouls, tools, n ies elonging to the Insure or for whih the Insure re responsile whilst t the Premises n whilst elsewhere thn t the Premises t ny premises within the Unite Kingom not oupie y the Insure, inluing whilst in trnsit thereto n therefrom y ro, ril or inln wterwy, provie tht the liility of the Insurer in respet of ny one lim shll not exee 50, Unuthorise Use of Supplies Cover inlues wter, gs, eletriity, oil or other metere supply hrges inurre y the Insure n for whih the Insure re leglly responsile, ue to unuthorise use y persons tking possession of, keeping possession of or oupying ny Premises without the written onsent of the Insure, proviing tht 22 Lnspe Grouns Cover inlues osts inurre y the Insure in onsequene of Dmge to Property Insure t the Premises, up to n mount of 10,000 ny one lim, in restoring lnspe grouns to their originl pperne when first li out n plnte, ut the Insurer will not py for osts rising ue to the filure of trees, shrus, plnts or turf to germinte or eome estlishe. the Insure shll tke ll prtile steps to terminte suh unuthorise use s soon s it is isovere the Insure hs vise the Insurer of suh unuthorise use immeitely on eoming wre of it Poliy Conition 17 Unoupie Builings hs een omplie with y the Insure the liility of the Insurer shll not exee 10,000 in respet of ny one lim n ny one Perio of Insurne 26

29 Complete Business Poliy Woring 28 Reinsttement to Mth Computer Equipment Where omputer equipment hs suffere Dmge to the extent tht repir is imprtil n replement y similr property in onition equl to ut not etter or more extensive thn when new is impossile, then the Insure my reple, repir or restore the Property with equivlent property whih employs urrent tehnology n replement, repir or restortion with suh property for the purposes of this Setion shll not e regre s eing etter or more extensive thn when new Cover lso extens to inlue i ii the ost of replement or moifition of unmge omputer equipment insofr s it is neessry to pt it to operte in onjuntion with Dmge Property whih hs een reple, repire or restore the ost of replement, repir or moifition of unmge prts of omputer equipment tht form prt of mthing set of rtiles, or suite of ommon esign or funtion where the Dmge is restrite to lerly ientifile re or to speifi prt. Provie tht the totl liility of the Insurer is not inrese eyon the mount i tht woul otherwise hve een pyle for the replement, repir or restortion of the Property Dmge in its originl form ii tht woul hve een pyle for replement, repir or moifition of the whole Property forming set of rtiles, or suite of ommon esign or funtion if suh Property h een wholly estroye the Insurer shll e lile only for the mount suffiient to enle the Insure to resume opertions in sustntilly the sme mnner s efore the Dmge where Property is mge in prt only, the Insurer will not py more thn the mount representing the ost whih the Insurer woul hve pi for repir, restortion or replement if suh property h een wholly estroye if Dmge to omputer equipment results in unmge omputer reors eing inomptile with replement omputer equipment the Insurer will py the osts of i moifying the omputer equipment or ii repling omputer reors with reinsttement of progrmmes n/or informtion (ut not for the vlue of the informtion to the Insure) whihever is the less 29 Theft Dmge to Builings Cover inlues Dmge to Builing(s) insure uner this Setion use y theft or ttempte theft exluing Dmge i to ny Unoupie Builing ii expeite or in ny wy rought out y the Insure or ny prtner, iretor or employee of the Insure or ny other person who hs legl right to e on the Premises, unless suh theft or ttempte theft involve the thret of or ssult or violene to the Insure or ny prtner, iretor or employee of the Insure or ny other person who hs legl right to e on the Premises iii to Property whih is more speifilly or otherwise insure the first 1,000 of eh n every lim ny mount exeeing 25,000 Cover lso inlues the ost of ny temporry oring-up n mking goo in onsequene of suh Dmge neessry to keep the Premises seure. Exlusion n of Event 13 of this Setion oes not pply to this Bsis of Settlement Ajustment. 30 Invertent Omission to Insure The Insure hving notifie the Insurer of their intention to insure ll property whih they own or for whih they re responsile situte within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, with the Insurer (unless otherwise gree in writing y the Insurer) from the ineption te of this Setion of the Poliy n it eing the Insure's elief tht ll suh property is insure, then the Insurer grees to exten over uner this Setion so tht if susequently ny suh property is foun to hve invertently een left uninsure y the Insure uring the Perio of Insurne then the Insurer will eem suh property to e insure y this Setion, provie tht: the mximum liility of the Insurer for ny one lim in respet of Builing n Contents in totl shll not exee 100,000 ny one premises the Insure rry out t not less thn 12 monthly intervls hek to ensure tht effetive insurne is in fore for ll property owne or lese y the Insure or for whih the Insure re responsile the Insure shll give etils in writing immeitely n omission is isovere n within 7 ys of the te of isovery shll provie the Insurer with the sums insure to pply for ny suh property, n effet speifi over retrospetive to suh te, n py the pproprite itionl premium 27

30 Complete Business Poliy Woring Setion 1 Property Dmge (ontinue) e f in respet of ny uilings purhse for refurishment or reevelopment the Bsis of Settlement upon whih the mount pyle shll e lulte shll e the vlue of the Property Insure t the time of the Dmge, less n pproprite eution for wer n ter n prior epreition, n in respet of ny uilings ue for emolition the Bsis of Settlement shll e limite to the osts ssoite with lering n seuring the uilings this Bsis of Settlement Ajustment shll not pply in ition to ny over provie uner the Altertions n Aitions Bsis of Settlement Ajustment or in respet of ny ppreition in vlue the vlue of the property whih hs een invertently omitte shll for the purpose of Averge (Unerinsurne) e e to the Sum Insure on the item to whih the Property reltes, or in the se of Reinsttement (Dy One Bsis) to the Delre Vlue. 31 Property Store Cover extens to inlue Dmge to property omprising Contents n Stok whilst elsewhere thn t the Premises n within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns inluing whilst in trnsit thereto n therefrom y ro, ril or inln wterwy provie tht the liility of the Insurer in respet of ny one lim shll not exee 10% of the totl Sum Insure on suh property or 100,000 whihever is less. Exluing property more speifilly or otherwise insure Dmge ue to theft or ttempte theft to money, ons or seurities of ny esription, jewellery, wthes, mers, preious metls or stones, ntiques, omputer equipment inluing personl omputer equipment, moile n smrt phones, n ny other property exlue y this Setion Dmge to uriosities, rre ooks or works of rt for n mount exeeing 1,500 ny one rtile 32 Freeholers, Lessors n Mortggees The Insurer grees tht the interest of ny Freeholer, Lessee, Uner Lessee n/or Mortggee in respet of Builings insure y this Setion n whih tthe efore the hppening of ny Dmge shll e utomtilly note in this insurne if requeste y the Insure, ut only to the extent tht suh interest is not otherwise insure n sujet to their ientity eing islose in writing to the Insurer y the Insure in the event of Dmge. This insurne shll not e invlite y ny inrese in the risk of Dmge resulting from n ltertion or t or omission whih ours without the uthority or knowlege of ny Freeholer n/or Lessor n/or Mortggee, ut this shll only protet the interest of suh Freeholer, Lessor or Mortggee n shll only pply if the Insurer is notifie immeitely on the prty eoming wre of the inrese risk n the pyment of ny resonle itionl premium is me. Setion Exlusions The Poliy Exlusions pply to this Setion n in ition the Insurer will not py for: 1 Property whih t the time of Dmge is insure y or woul ut for the existene of this Setion e insure y ny mrine poliy or poliies, ut the Insurer will py for ny exess eyon the mount whih woul hve een pyle uner suh mrine poliy or poliies h this Setion not een effete. 2 ny Property more speifilly insure y or on ehlf of the Insure. 3 Dmge to pintings, prints n works of rt with vlue in exess of 10,000 ny one item unless speifilly esrie in the Sheule. 4 onsequentil loss or Dmge of ny kin or esription Dmge to property in ny yr, r prk or open spe or ontine within n open sie struture or open sie uiling 5 the Exess. e Dmge use to Stok other thn y Events 1, 2, 3, 4, 5, 8 or 9 28

31 Complete Business Poliy Woring Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll utomtilly ese in respet of ny of the Property Insure whih is ispose of or remove whih onsists of or is situte in ny Builing or prts of Builing esrie in the Sheule s oupie eoming Unoupie, or s Unoupie eoming oupie in whih the interest of the Insure eses other thn y will or opertion of lw, uring the Perio of Insurne. 2 Reinsttement If ny Property is to e reinstte or reple y the Insurer, the Insure shll t their own expense provie ll plns, ouments, ooks n informtion s my resonly e require. The Insurer shll not e oun to reinstte extly, ut only s irumstnes permit n in resonly suffiient mnner. 29

32 Complete Business Poliy Woring Setion 2 Business Interruption Definitions Annul Revenue Revenue uring the12 months immeitely efore the te of ny Event. Annul Turnover Turnover uring the 12 months immeitely efore the te of ny Event. Business Interruption Loss resulting from interruption of or interferene with the Business rrie on y the Insure t the Premises in onsequene of n Event to Property. Event Dmge to Property use y the Insure t the Premises for the purpose of the Business. Gross Profit The mount y whih the sum of the mount of the Turnover n the mount of the losing stok n work in progress shll exee the mount of the opening stok n work in progress n the mount of the Uninsure Working Expenses. Note: The mounts of the opening n losing stoks n work in progress shll e rrive t in orne with the norml ountny methos of the Insure, ue provision eing me for epreition. Gross Profit Sum Insure % of the Gross Profit mount provie y the Insure. Note: The Gross Profit mount provie y the Insure is shown in rkets elow the Gross Profit Sum Insure on the Sheule. Inrese in Cost of Working Aitionl expeniture (sujet to the Uninsure Working Expenses luse) neessrily n resonly inurre for the sole purpose of voiing or iminishing the reution in Turnover whih ut for tht expeniture woul hve tken ple uring the Inemnity Perio. Inemnity Perio Perio eginning with the ourrene of ny Event n ening not lter thn the Mximum Inemnity Perio therefter uring whih the results of the Business shll e ffete in onsequene of ny Event. Mximum Inemnity Perio Mximum inemnity perio shown in the Sheule. Premises Builings t the ress or resses shown in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile n eing, unless more speifilly esrie in the Sheule, oupie solely y the Insure for the purpose of the Business. Rte of Gross Profit Rte of gross profit erne on the Turnover uring the finnil yer immeitely efore the te of ny Event. Revenue The money pi or pyle to the Insure for servies renere in the ourse of the Business t the Premises. Revenue Sum Insure % of the Revenue mount provie y the Insure. Note: The Revenue mount provie y the Insure is shown in rkets elow the Revenue Sum Insure in the Sheule. Stnr Revenue Revenue uring tht perio in the 12 months immeitely efore the te of ny Event whih orrespons with the Inemnity Perio. Stnr Turnover Turnover uring tht perio in the 12 months immeitely efore the te of ny Event whih orrespons with the Inemnity Perio. Turnover Money pi or pyle to the Insure for goos sol n elivere n for servies renere in the ourse of the Business t the Premises. Uninsure Working Expenses Purhses (less isounts reeive) Crrige, pking n freight Disounts llowe B ets. Note: The wors n expressions use in this efinition shll hve the mening usully tthe to them in the ooks n ounts of the Insure. 30

33 Complete Business Poliy Woring Cover The Insurer will py the Insure for Business Interruption y ny of the Events opertive uner this Poliy n not otherwise exlue ourring uring the Perio of Insurne. rising from esstion of work in respet of ny uiling whih is Unoupie use y mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut the Insurer will py for suh Business Interruption use y fire or explosion Events 1 Fire, exluing Business Interruption use y explosion resulting from fire y erthquke or suterrnen fire y its own spontneous fermenttion or heting or its unergoing ny heting proess or ny proess involving the pplition of het to ny prtiulr piee of eletril pprtus or fitting whih hs use fire ue to self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity. Lightning Explosion of oilers use for omesti purposes only of ny other oiler or eonomiser on the Premises of gs use for omesti purposes only ut exluing ny Business Interruption use y erthquke or suterrnen fire. 2 Explosion, exluing Business Interruption use y the ursting y stem pressure of ny vessel, mhine or pprtus (not eing oiler or eonomiser on the Premises) elonging to the Insure or uner the ontrol of the Insure, in whih internl pressure is ue to stem only. 3 Airrft or other eril evies or rtiles roppe from them 4 Riot, Civil Commotion, Strikers, Loke Out Workers, Persons tking prt in Lour Disturnes or Mliious Persons, exluing Business Interruption rising from ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority rising from elierte ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre. 5 Erthquke 6 Suterrnen Fire 7 Storm, Tempest or Floo, exluing Business Interruption ttriutle solely to hnge in the wter tle level use y frost, susiene, groun heve or lnslip in respet of fenes, gtes or movele property in the open to open-fronte or open-sie Builings or to Property ontine therein. 8 Espe of Wter from ny Tnk, Apprtus or Pipe, exluing Business Interruption use y wter ishrge or leking from ny utomti sprinkler instlltion in respet of ny Builing whih is Unoupie. 9 Impt y ny ro vehile or niml 10 Sprinkler Lekge Aientl espe of wter from ny utomti sprinkler instlltion in the Premises, exluing Business Interruption use y freezing whilst the Builing in so fr s it is in the Insure s ownership or tenny is Unoupie explosion, erthquke, suterrnen fire or het use y fire. 11 Theft or Attempte Theft involving forile n violent entry to or exit from the Builings hol-up y violene or thret of violene to the Insure or ny prtner, iretor, employee of the Insure or memers of their fmilies or ny other person who hs legl right to e on the Premises 31

34 Complete Business Poliy Woring Setion 2 Business Interruption (ontinue) ut exluing Business Interruption rising iretly from Theft or Attempte Theft i ii iii iv expeite or in ny wy rought out y the Insure or ny prtner iretor or employee of the Insure or ny person who hs legl right to e on the Premises of Money, ees, seurities, jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks unless suh property is speifilly esrie in the Sheule to Property in the open or in open fronte uilings or in uilings not on permnent fountions whilst the Premises re lose for Business or re left unttene unless ll points of ess re lose n seure y ll loks n other protetions fitte to them. 12 Susiene, Groun Heve or Lnslip exluing Business Interruption use y e f g h ollpse, rking, shrinkge, expnsion or settlement of Builings or ny prt thereof ostl or river erosion efetive esign or workmnship or the use of efetive mterils inluing inequte onstrution of fountions settlement or movement of me up groun the norml settlement or eing own of new strutures Dmge to soli floor sls or resulting from their movement unless the fountions eneth the externl wlls of the Builings re Dmge t the sme time n from the sme use Dmge to yrs, r prks, ros, pvements, lnlors fixtures n fittings, seurity lighting n mers, wlls, gtes, fenes, fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories, pve res or footpths unless Builing insure y this Setion is Dmge y the sme use t the sme time Dmge whih origintes prior to the ineption of this over Speil Conition The Insure shll notify the Insurer immeitely they eome wre of ny emolition, grounworks, exvtion or onstrution eing rrie out on the sme or ny joining site. The Insurer shll then hve the right to vry the terms or nel over in respet of susiene, groun heve or lnslip. 13 Aientl Dmge exluing Business Interruption use y, or onsisting of, or rising from, or ttriutle to i ny of the Events ii ny of the exlusions to the Events speifie in Events 1 12 n 14, whether Events 1 12 n 14 re insure or not e use y or onsisting of inherent vie, ltent efet, grul eteriortion, wer n ter, frost, its own fulty or efetive esign or mterils ut this shll not exlue susequent Business Interruption whih itself results from use not otherwise exlue use y or onsisting of fulty or efetive workmnship, opertionl error or omission y the Insure or ny employee of the Insure ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from n insure Event or susequent Business Interruption whih itself results from use not otherwise exlue use y ts of fru or ishonesty y ny prtner, iretor or employee of the Insure ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from Events 1 12 n 14 use y or onsisting of orrosion, rust, wet or ry rot, shrinkge, evportion, loss of weight, mpness, ryness, mrring, srthing, vermin or insets, hnge in temperture, olour, flvour, texture or finish ut this shll not exlue i suh Business Interruption not otherwise exlue whih itself results from Events 1 12 n 14 ii susequent Business Interruption whih itself results from use not otherwise exlue i Dmge resulting from emolition, onstrution, struturl ltertion or repir to ny Builings or grounworks or exvtion t the sme Premises j Dmge y Events 1,2,5,6 or 8 32

35 Complete Business Poliy Woring f use y or onsisting of i joint lekge, filure of wels, rking, frturing, ollpse or overheting of oilers, eonomisers, superheters, pressure vessels or ny rnge of stem n fee piping onnete to them ii mehnil or eletril rekown or erngement in respet of the prtiulr mhine, pprtus or equipment in whih suh rekown or erngement origintes ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from Events 1 to 12 n 14 or from ny other Dmge, or susequent Business Interruption whih itself results from use not otherwise exlue g h i loss resulting from pollution or ontmintion ut this shll not exlue loss resulting from Dmge to Property Insure not otherwise exlue, use y pollution or ontmintion whih itself results from other Dmge or use y other Dmge whih itself results from pollution or ontmintion use y i ispperne, unexpline or inventory shortge or the misfiling or mispling of informtion ii ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre eliertely use y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotion, or mliious persons iii other ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre, unless resulting from Events 1 to 12 n 14 in so fr s they re not otherwise exlue. use y norml settlement or eing own of new strutures m n in respet of i ii iii iv jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks Property in trnsit glss (other thn fixe glss), snitrywre (other thn fixe snitrywre), hin, erthenwre, mrle or other frgile or rittle ojets money, ons or seurities of ny esription ut this shll not exlue suh Business Interruption use y other Dmge in so fr s it is not otherwise exlue in respet of i vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft ii Property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh Property or strutures iii ln, ros, pvements, piers, jetties, riges, ulverts or exvtions iv livestok, growing rops or trees ut this shll not exlue suh Business Interruption use y other Dmge so fr s it is not otherwise exlue o use y theft or ttempte theft 14 Espe of Oil from ny fixe heting instlltion exluing Business Interruption in respet of ny Builing or Property Insure in ny Builing whih is Unoupie unless use y suen ientifile unintene n unexpete inient whih hs tken ple in its entirety t speifi time n ple uring the Perio of Insurne j k l use y estrution of or mge to ny Builing or struture use y its own ollpse or rking, ut this shll not exlue Business Interruption resulting from other Dmge in so fr s it is not otherwise exlue in respet of fenes, gtes n movele Property in the open use y win, rin, hil, sleet, snow or ust use y Dmge to ny Property resulting from its unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir Bsis of Settlement 1 The Insurer s liility uner this Setion uring ny one Perio of Insurne shll not exee the Sum Insure 2 The Insurer will py the Insure in respet of eh item overe, the mount of their lim for Business Interruption. 33

36 Complete Business Poliy Woring Setion 2 Business Interruption (ontinue) Mteril Dmge Proviso Provie tht t the time of ny Event there is n insurne in fore overing the interest of the Insure in the Property t the Premises ginst suh Event n tht 1 pyment hs een me or liility hs een mitte for pyment, or 2 pyment woul hve een me or liility woul hve een mitte for pyment ut for the opertion of proviso in suh insurne exluing liility for lims elow speifie mount. Automti Reinsttement In the sene of written notie y the Insure or the Insurer to the ontrry, in onsiertion of Sums Insure or limits of liility not eing reue y the mount of ny lim, the Insure will py the pproprite itionl premium on the mount of the lim from the te of ny Event to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. Gross Profit Items The Insurer will py the Insure s inemnity in onsequene of Business Interruption for loss of Gross Profit ue to 1 Reution in Turnover 2 Inrese in Cost of Working. Reution in Turnover mens the sum proue y pplying the Rte of Gross Profit to the mount y whih the Turnover uring the Inemnity Perio flls short of the Stnr Turnover. The Insurer will not py the Insure for Inrese in Cost of Working exeeing the sum proue y pplying the Rte of Gross Profit to the mount of reution in Turnover therey voie ny mounts sve uring the Inemnity Perio in respet of ny of the hrges n expenses of the Business pyle out of Gross Profit tht my ese or e reue. In lulting the mounts the Insurer will py the Insure s inemnity, justments shll e me in orne with the following luses. 1 Averge If ny Gross Profit Sum Insure is less thn the sum proue y pplying the Rte of Gross Profit to the Annul Turnover, the mount pyle will e proportiontely reue. The mount of the Annul Turnover will e proportiontely inrese when the Mximum Inemnity Perio exees 12 months. 2 Alterntive Premises If uring the Inemnity Perio goos re sol or servies re renere elsewhere thn t the Premises for the enefit of the Business, either y the Insure or y others on ehlf of the Insure, the money pi or pyle for suh sles or servies shll e tken into ount in rriving t the Turnover uring the Inemnity Perio. 3 Uninsure Working Expenses If ny working expenses of the Business re exlue y this Setion (hving een eute in rriving t Gross Profit), then in lulting the mount reoverle uner this Setion s Inrese in Cost of Working, only tht proportion of ny suh itionl expeniture shll e tken into ount tht Gross Profit ers to the sum of Gross Profit n the Uninsure Working Expenses. 4 Slvge Sle If following n Event giving rise to lim uner this Setion the Insure shll hol slvge sle uring the Inemnity Perio, the Bsis of Settlement of the Insurne for ny item of Gross Profit shll for the purpose of suh lims e mene s follows: 1 Reution in Turnover: the sum proue y pplying the Rte of Gross Profit to the mount y whih the Turnover uring the Inemnity Perio (less the Turnover relting to the perio of the slvge sle) shll in onsequene of the Event fll short of the Stnr Turnover, from whih sum shll e eute the Gross Profit tully erne uring the perio of the slvge sle. 5 Lottery Winners In the event n Employee or group of Employees resigns from his/her or their post(s) within the Business s iret onsequene of their seuring win in Lottery over extens to inlue the itionl osts n/or expenses the Insure inurs, inluing ut not limite to 1 reruitment n itionl overtime osts 2 the ost of employing temporry stff for mounts in exess of permnent full time rtes of pyment. Provie tht the Employee or group of Employees resigns within 14 ys from the te of the suessful Lottery win, n the mount won y ny one Employee is not less thn 100,000 the Insurer s liility shll not exee 25,000 For the purposes of this luse the following efinitions pply 34

37 Complete Business Poliy Woring Inemnity Perio The perio uring whih the Business results re ffete ue to n Employee or group of Employees resigning from his/her or their post(s) within the Business s iret onsequene of their seuring win in Lottery, strting from the te of the first resigntion n ening no lter thn the Mximum Inemnity Perio. Mximum Inemnity Perio One month. Lottery UK Ntionl Lottery Prize Drws inluing Srthrs UK Ntionl Footll Pools Euro Millions Lottery Irish Ntionl Lottery UK Premium Bon Prize Drws. 6 Essentil Personnel Cover extens to inlue itionl expeniture neessrily n resonly inurre y the Insure uring the Inemnity Perio s onsequene of the eth or permnent islement of ny prinipl, iretor or prtner of the Insure y ientl n externl mens preventing the rrying out of their usul employment or ouption for the sole purpose of voiing or iminishing ny interruption of or interferene with the Business rrie on y the Insure t the Premises whih ut for tht expeniture woul hve tken ple uring the Inemnity Perio, provie tht i the Mximum Inemnity Perio in respet of this luse shll not exee 12 months ii the Insurer shll not e lile for more thn 10,000 in respet of ny one lim. Revenue Items The Insurer will py the Insure s inemnity in onsequene of Business Interruption for 1 loss of Revenue 2 Inrese in Cost of Working. Loss of Revenue mens the mount y whih the Revenue uring the Inemnity Perio flls short of the Stnr Revenue. The Insurer will not py the Insure for ny mounts sve uring the Inemnity Perio in respet of ny of the hrges n expenses of the Business pyle out of Revenue tht my ese or e reue. In lulting the mounts the Insurer will py the Insure s inemnity, justments shll e me in orne with the following luses. 1 Averge If the Revenue Sum Insure is less thn the Annul Revenue, the mount pyle will e proportiontely reue. The mount of the Annul Revenue will e proportiontely inrese when the Mximum Inemnity Perio exees 12 months. 2 Alterntive Premises If uring the Inemnity Perio servies re renere elsewhere thn t the Premises for the enefit of the Business, either y the Insure or y others on ehlf of the Insure, the money pi or pyle for suh servies shll e tken into ount in rriving t the Revenue uring the Inemnity Perio. 3 Lottery Winners In the event n Employee or group of Employees resigns from his/her or their post(s) within the Business s iret onsequene of their seuring win in Lottery over extens to inlue the itionl osts n/or expenses the Insure inurs, inluing ut not limite to 1 reruitment n itionl overtime osts 2 the ost of employing temporry stff for mounts in exess of permnent full time rtes of pyment. Provie tht the Employee or group of Employees resigns within 14 ys from the te of the suessful Lottery win, n the mount won y ny one Employee is not less thn 100,000 the Insurer s liility shll not exee 25,000 For the purposes of this luse the following efinitions pply Inemnity Perio The perio uring whih the Business results re ffete ue to n Employee or group of Employees resigning from his/her or their post(s) within the Business s iret onsequene of their seuring win in Lottery, strting from the te of the first resigntion n ening no lter thn the Mximum Inemnity Perio. Inrese in Cost of Working exeeing the mount of reution in Revenue therey voie Mximum Inemnity Perio One month 35

38 Complete Business Poliy Woring Setion 2 Business Interruption (ontinue) 36 Lottery UK Ntionl Lottery Prize Drws inluing Srthrs UK Ntionl Footll Pools Euro Millions Lottery Irish Ntionl Lottery UK Premium Bon Prize Drws. 4 Essentil Personnel Cover extens to inlue itionl expeniture neessrily n resonly inurre y the Insure uring the Inemnity Perio s onsequene of the eth or permnent islement of ny prinipl, iretor or prtner of the Insure y ientl n externl mens preventing the rrying out of their usul employment or ouption for the sole purpose of voiing or iminishing ny interruption of or interferene with the Business rrie on y the Insure t the Premises whih ut for tht expeniture woul hve tken ple uring the Inemnity Perio, provie tht i ii All Items the Mximum Inemnity Perio in respet of this luse shll not exee 12 months the Insurer shll not e lile for more thn 10,000 in respet of ny one lim. The following luses pply 1 Deprtmentl Tring If the Business is onute in eprtments, the inepenent tring results of whih n e sertine, the Bsis of Settlement for Gross Profit or Revenue shll pply seprtely to eh eprtment ffete. 2 Trens n Vritions Ajustments shll e me to the figures representing the Rte of Gross Profit, Annul Turnover, Stnr Turnover, Annul Revenue n Stnr Revenue tht my e neessry to provie for the tren of the Business, n for vritions in or other irumstnes ffeting the Business, either efore or fter the Event, n whih woul hve ffete the Business h the Event not ourre, so tht the juste figures represent s ner s resonly prtile results whih ut for the Event woul hve een otine uring the reltive perio fter the Event. 3 Aountnts Chrges If the professionl ountnts of the Insure proue ny prtiulrs or etils require y the Insurer from the Insure s ooks of ount or other usiness ooks or ouments, or ny other proofs, informtion or eviene uner Conition 2 of this Setion, the Insurer will py the Insure the resonle hrges pyle y the Insure to their professionl ountnts, provie tht the sum of suh resonle hrges n ny other mount pyle uner this Setion shll not exee the liility of the Insurer uner this Setion. 4 Vlue Ae Tx All terms in this Setion shll e exlusive of vlue e tx to the extent tht the Insure re ountle to the tx uthorities for suh tx. 5 Current Cost Aounting For the purposes of this Setion, ny justment implemente in urrent ost ounting shll e isregre. 6 Pyments on Aount The Insurer will mke pyments on ount uring the Inemnity Perio, if the Insure so request, sujet to ny neessry justment t the en of the Inemnity Perio. 7 Aitionl Inrese in Cost of Working Cover extens to inlue itionl expeniture eyon tht the Insurer will py s inemnity in respet of Inrese in Cost of Working uner Bsis of Settlement, neessrily n resonly inurre in onsequene of Business Interruption for the purpose of voiing or iminishing the reution in Turnover or loss of Revenue uring the Inemnity Perio. The most the Insurer will py for ny one lim is 25,000. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) Any lim resulting from interruption or interferene with the Business in onsequene of Dmge t ny Sitution or to ny Property shown elow, or ny of the uner-note Contingenies within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns shll e unerstoo to e loss s insure y this Setion, provie tht fter the pplition of ll other terms, onitions n provisions of this Setion n s shown elow the liility of the Insurer for ny one lim shll not exee the Totl Sum Insure, or the perentge of the Totl Sum Insure, or the mount shown ginst ny of the Situtions or ny of the Property or ny Contingeny s the Limit, whihever is less.

39 Complete Business Poliy Woring Situtions 1 Suppliers (not pplile to ny Revenue item) The premises of ny of the Insure s suppliers, mnufturers or proessors of omponents, goos or mterils, ut exluing the premises of ny seprtely speifie supplier or of ny supply unertking from whih the Insure otin eletriity, gs, wter or teleommunitions servies sujet to limit of 10% of the Gross Profit Sum Insure or 100,000, whihever is less. 2 Customers (not pplile to ny Revenue item) The premises of ny of the Insure s ustomers ut exluing the premises of ny seprtely speifie ustomer sujet to limit of 10% of the Gross Profit Sum Insure or 100,000, whihever is less. 3 Contrt Sites (not pplile to ny Revenue item) Any sitution not in the ouption of the Insure where the Insure re rrying out ontrt sujet to limit of 10% of the Gross Profit Sum Insure or 50,000 whihever is less. 4 Exhiition Sites Any exhiition site where the Insure re exhiiting goos or servies, exluing ny suh site uner nvs or in the open sujet to limit of 10% of the Sum Insure or 50,000, whihever is less. Property 1 Property Store Property of the Insure whilst store elsewhere thn t the Premises oupie y the Insure sujet to limit of 10% of the Gross Profit Sum Insure or 10% of the Revenue Sum Insure or 50,000, whihever is less. 2 Supply Unertkings Property t ny generting sttion or su-sttion of the eletriity supply unertking ln se premises of the gs supply unertking or of ny nturl gs prouer linke iretly therewith wterworks or pumping sttion of the wter supply unertking ln se premises of the teleommunitions unertking from whih the Insure otin eletriity, gs, wter or teleommunitions servies sujet to limit of 10% of the Gross Profit Sum Insure or 10% of the Revenue Sum Insure or 50,000, whihever is less. 3 Denil of Aess Property in the immeite viinity of the Premises whih prevents or hiners the use of or ess to the Premises, whether the Premises or property in the Premises is Dmge or not sujet to limit of 10% of the Gross Profit Sum Insure or 10% of the Revenue Sum Insure or 50,000, whihever is less. 4 Trnsit Property of the Insure whilst in trnsit y ro, ril or inln wterwy sujet to limit of 10% of the Gross Profit Sum Insure or 10% of the Revenue Sum Insure or 10,000, whihever is less. 5 Mouls, Tools n Dies Mouls, tools n ies elonging to the Insure or for whih the Insure re responsile whilst t the Premises or t ny premises not in the ouption of the Insure or in trnsit y ro, ril or inln wterwy sujet to limit of 25,000. Contingenies 1 Filure of Supply Aientl filure of supply of i eletriity t the terminl ens of the servie provier's feeers t the Premises sujet to limit of 25,000 ii gs t the servie provier's meters t the Premises sujet to limit of 25,000 iii wter t the servie provier's min stop ok serving the Premises sujet to limit of 25,000 iv ln se teleommunitions servies (exluing intrnet or extrnet servies) t the inoming line terminls or reeivers t the Premises sujet to limit of 25,000 v other teleommunitions servies (inluing intrnet or extrnet servies) t the inoming line terminls or reeivers t the Premises sujet to limit of 25,000 Provie tht in respet of the supply of ln se n other teleommunitions servies the Mximum Inemnity Perio shll not exee 3 months the Insurer shll not e lile for ny Business Interruption i whih oes not involve esstion of supply for t lest 4 onseutive hours in respet of the supply of eletriity, gs or wter servies n for t lest 12 onseutive hours in respet of the supply of ln se n other teleommunitions servies ii resulting from the elierte t of ny supply unertking or y the exerise y ny suh unertking of its power to withhol or restrit supply or servies not performe for the sole purpose of sfeguring life or proteting the supply unertking's system 37

40 Complete Business Poliy Woring Setion 2 Business Interruption (ontinue) iii iv v vi resulting from filure use y strikes or ny lour or tre ispute rought other tmospheri or wether onitions, ut this shll not exlue filure ue to mge use y suh onitions use y or rising from or ttriutle to the filure of ny overhe trnsmission n istriuting lines n their supporting strutures, other thn those within 1 mile of the Premises resulting from the filure of teleommunitions servies vi stellite ue to the filure of ny stellite prior to its ttining its full operting funtion or whilst in or eyon the finl yer of its esign life in the event of temporry interferene with trnsmissions to n from stellites ue to tmospheri wether, solr or lunr onitions resulting from the trnsfer of the Insure's stellite fility to nother prty s insure uner the Supply Unertkings Extension. Setion Exlusions The Poliy Exlusions pply to this Setion Setion Conitions The Poliy Conitions pply to this Setion n in ition: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll utomtilly ese if uring the Perio of Insurne the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue 2 Aitionl Clims Conitions In the event of ny Event in onsequene of whih the Insure mke or my mke lim uner this Setion, the Insure shll t their own expense eliver to the Insurer within 7 ys of its hppening, full etils of Business Interruption use y riot, ivil ommotion, strikers, lokeout workers, persons tking prt in lour isturnes, mliious persons or theft not lter thn 30 ys fter expiry of the Inemnity Perio, or suh further time tht the Insurer my llow, full informtion in writing of the prtiulrs of the lim, together with etils of ll other poliies overing property use y the Insure t the Premises for the purpose of the Business or ny prt of the Business, n the mount of ny resulting Business Interruption suh ooks of ount n other usiness ooks, vouhers, invoies, lne sheets n other ouments, proofs, informtion, explntion n other eviene tht the Insurer my resonly require for the purpose of investigting or verifying the lim, together with, if require, sttutory elrtion of the truth of the lim n of ny mtters onnete with it. Prtiulrs or etils ontine in the Insure s ooks of ount or other usiness ooks or ouments, whih my e require y the Insurer for the purpose of investigting or verifying ny lim uner this Setion, my e proue y professionl ountnts if t the time they re regulrly ting for the Insure. Their report shll e prim fie eviene of the prtiulrs n etils to whih suh report reltes. The Insurer will not py for ny lim unless the terms of this onition hve een omplie with, n ny pyment on ount lrey me shll e repi to the Insurer. the interest of the Insure eses other thn y eth 38

41 Complete Business Poliy Woring Setion 2 Inrese Cost of Working Definitions Business Interruption Loss resulting from interruption of or interferene with the Business rrie on y the Insure t the Premises in onsequene of n Event to Property. Event Dmge to Property use y the Insure t the Premises for the purpose of the Business. Inemnity Perio Perio eginning with the ourrene of ny Event n ening not lter thn the Mximum Inemnity Perio therefter uring whih the results of the Business shll e ffete in onsequene of ny Event. Mximum Inemnity Perio Mximum inemnity perio shown in the Sheule. Premises Builings t the ress or resses shown in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile n eing, unless more speifilly esrie in the Sheule, oupie solely y the Insure for the purpose of the Business. Cover The Insurer will py the Insure for Business Interruption y ny of the Events opertive uner this Poliy n not otherwise exlue ourring uring the Perio of Insurne. Events 1 Fire, exluing Business Interruption use y explosion resulting from fire y erthquke or suterrnen fire y its own spontneous fermenttion or heting or its unergoing ny heting proess or ny proess involving the pplition of het to ny prtiulr piee of eletril pprtus or fitting whih hs use fire ue to self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity. Lightning Explosion of oilers use for omesti purposes only of ny other oiler or eonomiser on the Premises of gs use for omesti purposes only ut exluing ny Business Interruption use y erthquke or suterrnen fire. 2 Explosion, exluing Business Interruption use y the ursting y stem pressure of ny vessel, mhine or pprtus (not eing oiler or eonomiser on the Premises) elonging to the Insure or uner the ontrol of the Insure, in whih internl pressure is ue to stem only. 3 Airrft or other eril evies or rtiles roppe from them 4 Riot, Civil Commotion, Strikers, Loke Out Workers, Persons tking prt in Lour Disturnes or Mliious Persons, exluing Business Interruption rising from ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority 39

42 Complete Business Poliy Woring Setion 2 Inrese Cost of Working (ontinue) rising from esstion of work in respet of ny Builing whih is Unoupie use y mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut the Insurer will py for suh Business Interruption use y fire or explosion ut exluing Business Interruption rising iretly from Theft or Attempte Theft i expeite or in ny wy rought out y the Insure or ny prtner iretor or employee of the Insure or ny person who hs legl right to e on the Premises rising from elierte ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre. 5 Erthquke 6 Suterrnen Fire 7 Storm, Tempest or Floo, exluing Business Interruption ttriutle solely to hnge in the wter tle level use y frost, susiene, groun heve or lnslip in respet of fenes, gtes or movele property in the open. to open-fronte or open-sie Builings or to Property ontine therein 8 Espe of Wter from ny Tnk, Apprtus or Pipe, exluing Business Interruption use y wter ishrge or leking from ny utomti sprinkler instlltion in respet of ny Builing whih is Unoupie. 9 Impt y ny ro vehile or niml 10 Sprinkler Lekge Aientl espe of wter from ny utomti sprinkler instlltion in the Premises, exluing Business Interruption use y freezing whilst the Builing in so fr s it is in the Insure s ownership or tenny is Unoupie explosion, erthquke, suterrnen fire or het use y fire. 11 Theft or Attempte Theft involving ii iii iv of Money, ees, seurities, jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks unless suh property is speifilly esrie in the Sheule to Property in the open or in open fronte uilings or in uilings not on permnent fountions whilst the Premises re lose for Business or re left unttene unless ll points of ess re lose n seure y ll loks n other protetions fitte to them. 12 Susiene, Groun Heve or Lnslip exluing Business Interruption use y e f g ollpse, rking, shrinkge, expnsion or settlement of Builings or ny prt thereof ostl or river erosion efetive esign or workmnship or the use of efetive mterils inluing inequte onstrution of fountions settlement or movement of me up groun the norml settlement or eing own of new strutures Dmge to soli floor sls or resulting from their movement unless the fountions eneth the externl wlls of the Builings re Dmge t the sme time n from the sme use Dmge to yrs, r prks, ros, pvements, lnlors fixtures n fittings, seurity lighting n mers, wlls, gtes, fenes, fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories, pve res or footpths unless Builing insure y this Setion is Dmge y the sme use t the sme time forile n violent entry to or exit from the Builings hol-up y violene or thret of violene to the Insure or ny prtner, iretor, employee of the Insure or memers of their fmilies or ny other person who hs legl right to e on the Premises 40

43 Complete Business Poliy Woring h i Dmge whih origintes prior to the ineption of this over Dmge resulting from emolition, onstrution, struturl ltertion or repir to ny Builings or grounworks or exvtion t the sme Premises j Dmge y Events 1,2,5,6 or 8 Speil Conition The Insure shll notify the Insurer immeitely they eome wre of ny emolition, grounworks, exvtion or onstrution eing rrie out on the sme or ny joining site. The Insurer shll then hve the right to vry the terms or nel over in respet of susiene, groun heve or lnslip. 13 Aientl Dmge exluing Business Interruption use y, or onsisting of, or rising from, or ttriutle to i ny of the Events ii ny of the exlusions to the Events e speifie in Events 1 12 n 14, whether Events 1 12 n 14 re insure or not use y or onsisting of inherent vie, ltent efet, grul eteriortion, wer n ter, frost, its own fulty or efetive esign or mterils ut this shll not exlue susequent Business Interruption whih itself results from use not otherwise exlue use y or onsisting of fulty or efetive workmnship, opertionl error or omission y the Insure or ny employee of the Insure ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from n insure Event or susequent Business Interruption whih itself results from use not otherwise exlue use y ts of fru or ishonesty y ny prtner, iretor or employee of the Insure ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from Events 1 12 n 14 use y or onsisting of orrosion, rust, wet or ry rot, shrinkge, evportion, loss of weight, mpness, ryness, mrring, srthing, vermin or insets, hnge in temperture, olour, flvour, texture or finish ut this shll not exlue i suh Business Interruption not otherwise exlue whih itself results from Events 1 12 n 14 f g h i j k ii susequent Business Interruption whih itself results from use not otherwise exlue use y or onsisting of i joint lekge, filure of wels, rking, frturing, ollpse or overheting of oilers, eonomisers, superheters, pressure vessels or ny rnge of stem n fee piping onnete to them ii mehnil or eletril rekown or erngement in respet of the prtiulr mhine, pprtus or equipment in whih suh rekown or erngement origintes ut this shll not exlue suh Business Interruption not otherwise exlue whih itself results from Events 1 to 12 n 14 or from ny other Dmge, or susequent Business Interruption whih itself results from use not otherwise exlue loss resulting from pollution or ontmintion ut this shll not exlue loss resulting from Dmge to Property Insure not otherwise exlue, use y pollution or ontmintion whih itself results from other Dmge or use y other Dmge whih itself results from pollution or ontmintion use y ispperne, unexpline or inventory shortge or the misfiling or mispling of informtion ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre eliertely use y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotion, or mliious persons other ersure, loss, istortion or orruption of informtion on omputer systems or other reors, progrms or softwre, unless resulting from Events 1 to 12 n 14 in so fr s they re not otherwise exlue. use y norml settlement or eing own of new strutures use y Dmge to ny Builing or struture use y its own ollpse or rking, ut this shll not exlue Business Interruption resulting from other Dmge in so fr s it is not otherwise exlue in respet of fenes, gtes n movele Property in the open use y win, rin, hil, sleet, snow or ust 41

44 Complete Business Poliy Woring Setion 2 Inrese Cost of Working (ontinue) l m use y Dmge to ny Property resulting from its unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir in respet of i jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks ii Property in trnsit iii glss (other thn fixe glss), snitrywre (other thn fixe snitrywre), hin, erthenwre, mrle or other frgile or rittle ojets iv money, ons or seurities of ny esription Bsis of Settlement 1 The Insurer s liility uner this Setion uring ny one Perio of Insurne shll not exee the Sum Insure 2 The Insurer will py the Insure s inemnity in onsequene of Business Interruption for Inrese Cost of Working. Inrese Cost of Working mens the itionl expeniture neessrily n resonly inurre in orer to minimise ny interruption or interferene with the Business uring the Inemnity Perio. n o ut this shll not exlue suh Business Interruption use y other Dmge in so fr s it is not otherwise exlue in respet of i vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft ii Property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh Property or strutures iii ln, ros, pvements, piers, jetties, riges, ulverts or exvtions iv livestok, growing rops or trees ut this shll not exlue suh Business Interruption use y other Dmge so fr s it is not otherwise exlue use y theft or ttempte theft 14 Espe of Oil from ny fixe heting instlltion exluing Dmge in respet of ny Builing or Property Insure in ny Builing whih is Unoupie Dmge unless use y suen ientifile unintene n unexpete inient whih hs tken ple in its entirety t speifi time n ple uring the Perio of Insurne the vlue of the oil lost Mteril Dmge Proviso Provie tht t the time of ny Event there is n insurne in fore overing the interest of the Insure in the Property t the Premises ginst suh Event n tht 1 pyment hs een me or liility hs een mitte for pyment, or 2 pyment woul hve een me or liility woul hve een mitte for pyment ut for the opertion of proviso in suh insurne exluing liility for lims elow speifie mount. Automti Reinsttement In the sene of written notie y the Insure or the Insurers to the ontrry, in onsiertion of Sums Insure or limits of liility not eing reue y the mount of ny lim, the Insure will py the pproprite itionl premium on the mount of the lim from the te of ny Event to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. Bsis of Settlement Ajustments In lulting the most the Insurer will py the Insure, justments will e me in orne with the following luses. 1 Aountnts Chrges If the professionl ountnts of the Insure proue ny prtiulrs or etils require y the Insurer from the Insure s ooks of ount or other usiness ooks or ouments, or ny other proofs, informtion or eviene uner Conition 2 of this Setion, the Insurer will py the Insure the resonle hrges pyle y the Insure to their professionl ountnts, provie tht the sum of suh resonle hrges n ny other mount pyle uner this Setion shll not exee the liility of the Insurer uner this Setion. 42

45 Complete Business Poliy Woring 2 Vlue Ae Tx All terms in this Setion shll e exlusive of vlue e tx to the extent tht the Insure re ountle to the tx uthorities for suh tx. 3 Current Cost Aounting For the purposes of this Setion, ny justment implemente in urrent ost ounting shll e isregre. 4 Pyments on Aount The Insurer will mke pyments on ount uring the Inemnity Perio, if the Insure so request, sujet to ny neessry justment t the en of the Inemnity Perio. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) Any lim resulting from interruption or interferene with the Business in onsequene of Dmge t ny Sitution or to ny Property shown elow, or ny of the uner-note Contingenies within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns shll e unerstoo to e loss s insure y this Setion, provie tht fter the pplition of ll other terms, onitions n provisions of this Setion n s shown elow the liility of the Insurer for ny one lim shll not exee the Totl Sum Insure, or the perentge of the Totl Sum Insure, or the mount shown ginst ny of the Situtions or ny of the Property or ny Contingeny s the Limit, whihever is less. Situtions 1 Exhiition Sites Any exhiition site where the Insure re exhiiting goos or servies, exluing ny suh site uner nvs or in the open sujet to limit of 10% of the Sum Insure or 50,000, whihever is less. Property 1 Supply Unertkings Property t ny generting sttion or su-sttion of the eletriity supply unertking ln se premises of the gs supply unertking or of ny nturl gs prouer linke iretly therewith wterworks or pumping sttion of the wter supply unertking ln se premises of the teleommunitions unertking from whih the Insure otin eletriity, gs, wter or teleommunitions servies. 2 Denil of Aess Property in the immeite viinity of the Premises whih prevents or hiners the use of or ess to the Premises, whether the Premises or property in the Premises is Dmge or not. 3 Mouls, Tools n Dies Mouls, tools n ies elonging to the Insure or for whih the Insure re responsile whilst t the Premises or t ny premises not in the ouption of the Insure or in trnsit y ro, ril or inln wterwy sujet to limit of 25,000. Contingenies 1 Filure of Supply Aientl filure of supply of i eletriity t the terminl ens of the servie provier's feeers t the Premises sujet to limit of 25,000 ii gs t the servie provier's meters t the Premises sujet to limit of 25,000 iii wter t the servie provier's min stop ok serving the Premises sujet to limit of 25,000 iv ln se teleommunitions servies (exluing intrnet or extrnet servies) t the inoming line terminls or reeivers t the Premises sujet to limit of 25,000 v other teleommunitions servies (inluing intrnet or extrnet servies) t the inoming line terminls or reeivers t the Premises sujet to limit of 25,000 43

46 Complete Business Poliy Woring Setion 2 Inrese Cost of Working (ontinue) Provie tht in respet of the supply of ln se n other teleommunitions servies the Mximum Inemnity Perio shll not exee 3 months the Insurer shll not e lile for ny Business Interruption i whih oes not involve esstion of supply for t lest 4 onseutive hours in respet of the supply of eletriity, gs or wter servies n for t lest 12 onseutive hours in respet of the supply of ln se n other teleommunitions servies ii resulting from the elierte t of ny supply unertking or y the exerise y ny suh unertking of its power to withhol or restrit supply or servies not performe for the sole purpose of sfeguring life or proteting the supply unertking's system iii resulting from filure use y strikes or ny lour or tre ispute rought other tmospheri or wether onitions, ut this shll not exlue filure ue to mge use y suh onitions i use y or rising from or ttriutle to the filure of ny overhe trnsmission n istriuting lines n their supporting strutures, other thn those within 1 mile of the Premises v resulting from the filure of teleommunitions servies vi stellite ue to the filure of ny stellite prior to its ttining its full operting funtion or whilst in or eyon the finl yer of its esign life in the event of temporry interferene with trnsmissions to n from stellites ue to tmospheri wether, solr or lunr onitions resulting from the trnsfer of the Insure's stellite fility to nother prty vi s insure uner the Supply Unertkings Extension. Setion Exlusions The Poliy Exlusions pply to this Setion Setion Conitions The Poliy Conitions pply to this Setion n in ition: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll utomtilly ese if uring the Perio of Insurne the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue the interest of the Insure eses other thn y eth 2 Aitionl Clims Conitions In the event of ny Event in onsequene of whih the Insure mke or my mke lim uner this Setion, the Insure shll t their own expense eliver to the Insurer within 7 ys of its hppening, full etils of Business Interruption use y riot, ivil ommotion, strikers, lokeout workers, persons tking prt in lour isturnes, mliious persons or theft not lter thn 30 ys fter expiry of the Inemnity Perio, or suh further time tht the Insurer my llow, full informtion in writing of the prtiulrs of the lim, together with etils of ll other poliies overing property use y the Insure t the Premises for the purpose of the Business or ny prt of the Business, n the mount of ny resulting Business Interruption suh ooks of ount n other usiness ooks, vouhers, invoies, lne sheets n other ouments, proofs, informtion, explntion n other eviene tht the Insurer my resonly require for the purpose of investigting or verifying the lim, together with, if require, sttutory elrtion of the truth of the lim n of ny mtters onnete with it. Prtiulrs or etils ontine in the Insure s ooks of ount or other usiness ooks or ouments, whih my e require y the Insurer for the purpose of investigting or verifying ny lim uner this Setion, my e proue y professionl ountnts if t the time they re regulrly ting for the Insure. Their report shll e prim fie eviene of the prtiulrs n etils to whih suh report reltes. The Insurer will not py for ny lim unless the terms of this onition hve een omplie with, n ny pyment on ount lrey me shll e repi to the Insurer. 44

47 Complete Business Poliy Woring Setion 3 Book Dets Definitions Event Dmge to the Insure s Reors y n Event overe uner Setion 1 Property Dmge of this Poliy 1 t the Premises 2 t ny premises in Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns oupie y persons ting on ehlf of the Insure, to whih Reors hve een temporrily remove 3 in trnsit, inluing se or ir trnsit, within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, ut exluing suh Dmge y theft or ttempte theft. Outstning Deit Blnes The totl reore y the Insure uner the provisions of the Outstning Deit Reoring Conition juste for 1 ets 2 mounts eite (or invoie ut not eite) n reite (inluing reit notes n sh not psse through the Insure s ooks t the time of the Event) to ustomers ounts in the perio etween the te to whih the totl lst reore reltes n the te of the Event 3 ny norml onition of tre whih h or oul hve h mteril effet on the Business. so tht the juste figures represent s ner s resonly prtile those whih ut for the Event woul hve een otine t the te of the Event h the Event not ourre. Reors The Insure s ooks of ount or other usiness ooks or reors. Cover The Insurer will py the Insure for Outstning Deit Blnes if in onsequene of n Event the Insure re unle to tre or estlish Outstning Deit Blnes in whole or in prt. Bsis of Settlement The insurne uner this Setion is limite to loss sustine y the Insure iretly ue to the Event n the mount pyle shll not exee 1 the Totl Sum Insure 2 the ifferene etween the Outstning Deit Blnes, n the totl of the mounts reeive or tre in respet of suh lnes 3 the itionl expeniture inurre with the Insurer s previous onsent in tring n estlishing ustomers eit lnes fter the Event. Automti Reinsttement In the sene of written notie y the Insure or the Insurer, in onsiertion of the Sum Insure not eing reue y the mount of ny lim from the te of the Event, the Insure will py the pproprite itionl premium ue for the perio from the te of the Event to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. 45

48 Complete Business Poliy Woring Setion 3 Book Dets (ontinue) Bsis of Settlement Ajustments In lulting the mount the Insurer will py the Insure, justments shll e me in orne with the following luses. 1 Averge (Unerinsurne) If the Totl Sum insure t the time of the Event is less thn the Outstning Deit Blnes, the mount pyle will e proportiontely reue. 2 Aountnts Chrges If the professionl ountnts of the Insure proue ny prtiulrs or etils require y the Insurer from the Insure s ooks of ount or other usiness ooks or ouments, or ny other proofs, informtion or eviene, the Insurer will py the Insure the resonle hrges pyle y the Insure to their professionl ountnts, provie tht the sum of suh resonle hrges n ny other mount pyle uner this Setion shll not exee the liility of the Insurer uner this Setion. Setion Exlusions The Poliy Exlusions pply to this Setion Setion Conitions The Poliy Conitions pply to this Setion n in ition: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll utomtilly ese if uring the Perio of Insurne the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue the interest of the Insure eses other thn y eth 2 Outstning Deit Reoring At the en of eh month the Insure shll reor the totl mount outstning in ustomer's ounts t tht time, n keep opy of suh reors t ple other thn the Insure s Premises. 46

49 Complete Business Poliy Woring Setion 4 Money Definitions Aient Boily injury use y ientl, violent, externl n visile mens. Business Hours The perio uring whih the Insure or ny prtner, iretor or employee of the Insure is on the Premises for the purpose of the Business. Estimte Annul Crryings The estimte y the Insure of the totl vlue of Negotile Money to e In Trnsit uring the Perio of Insurne. Insure Person Insure or ny prtner, iretor or employee of the Insure ge etween 16 n 70 yers. In Trnsit In trnsit in the personl ustoy of the Insure, ny uthorise prtner, iretor or employee of the Insure, seurity orgnistion pprove y the Insurer, or y registere post. Loss of Lim(s) Totl n permnent loss y physil seprtion or totl n permnent loss of use of hn t or ove the wrist or foot t or ove the nkle. Loss of Sight Totl n permnent loss of sight whih will e onsiere s hving ourre 1 in oth eyes if the Insure Person(s) nme hs een e to the Register of Blin Persons on the uthority of fully qulifie ophthlmi speilist; or Negotile Money Csh, nk n urreny notes, reit rs, unrosse heques, unrosse postl orers, lunheon vouhers, urrent postge stmps, tring stmps, Ntionl Insurne stmps not ffixe to rs, Holiy with Py stmps, Ntionl Svings stmps, unexpire units in frnking mhines, gift tokens, onsumer reemption vouhers, moile telephone vouhers n telephone rs. Non-negotile Money Crosse heques, rosse postl orers, rosse nkers rfts, Ntionl Insurne stmps fixe to rs, Ntionl Svings ertifites, Premium Bons, reit sles vouhers or reeipts n V.A.T. purhse invoies. Permnent Totl Dislement Any permnent islement other thn Loss of Sight or Loss of Lim(s) whih hving lste without interruption for t lest 12 months is without ny resonle prospet of improving n in the opinion of n inepenent qulifie meil referee eptle to the Insurer will in ll proility permnently, ompletely n ontinuously prevent the Insure Person(s) from engging in or giving ttention to usiness profession or ouption of eh n every kin for the reminer of his or her life. Temporry Prtil Dislement A islement whih ontinuously prevents the Insure Person from ttening to sustntil prt of their usul ouption. Temporry Totl Dislement A islement whih ompletely n ontinuously prevents the Insure Person from ttening to their usul ouption. 2 in one eye if the egree of sight remining fter orretion is 3/60 or less on the Snellen Sle Money Negotile Money n Non-negotile Money elonging to the Insure or for whih the Insure re responsile. 47

50 Complete Business Poliy Woring Setion 4 Money (ontinue) Cover 1 The Insurer will inemnify the Insure in respet of the limits of inemnity stte in the Sheule ginst Dmge to Money ourring uring the Perio of Insurne hel in onnetion with the Business y ny use not exlue 2 The Insurer will inemnify the Insure ginst Dmge sustine s iret result of theft or ttempte theft of Money, of or to ny sfe or strongroom speifie in Item 2 of the Sheule, or ny g or other ontiner use y the Insure or ny uthorise prtner, iretor or employee of the Insure to rry Money lothing n personl effets elonging to the Insure or to ny prtner, iretor or employee of the Insure following ssult or violene or the thret of ssult or violene 3 The Insurer will py the Insure when ny Insure Person whilst engge in onnetion with the Business, s iret result of theft or ttempte theft of Money involving ssult or violene or the thret of ssult or violene suffers n Aient resulting within 12 months, iretly n inepenently of ny other use, in eth or islement suffers emotionl stress neessitting professionl ounselling, provie suh ounselling is reommene y qulifie meil prtitioner n gree to y the Insurer efore osts re inurre. Bsis of Settlement 1 The Insurer will py the Insure the mount of Money uner ny Item for whih Limit of Liility is speifie in the Sheule t the time of Dmge. 2 The most the Insurer will py for ny one lim is for ny one Item, the Limit of Liility speifie in the Sheule for ny one sfe or strongroom, 5,000 e for ny one g or ontiner, its vlue t the time of Dmge for lothing or personl effets, 500 ny one person for eth, Aient, islement or emotionl stress, the mounts speifie in the Sle of Compenstion. 3 The Insurer will lso py the vlue of ny sfe or strongroom, of ny g or ontiner use to rry Money or of the lothing or personl effets of the Insure or ny prtner, iretor or employee of the Insure lost or mge t the sme time, or t the Insurers option reinstte or reple suh property or ny prt of suh property ompenstion in respet of eth, Aient, islement or emotionl stress. Automti Reinsttement In the sene of written notie y the Insure or the Insurer, in onsiertion of the Sum Insure not eing reue y the mount of ny lim from the te of the Event, the Insure will py the pproprite itionl premium ue for the perio from the te of the Event to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. 48

51 Complete Business Poliy Woring Sle of Compenstion the ost of ny temporry oring-up or mking goo neessry to keep the Premises seure. Item 1 Deth Loss of Lim(s) or Loss of Sight Permnent Totl Dislement Temporry Totl Dislement per week e Temporry Prtil Dislement per weekm 2 The ost of professionl ounselling per hour ny one person in totl Amount 25,000 25,000 25, ,000 5,000 The most the Insurer will py for ny one lim is 5, Weekly Compenstion Weekly ompenstion will e pi when the totl mount to e pi hs een gree, or if the Insure so request, t the en of eh perio of 4 onseutive weeks islement. Setion Exlusions The Poliy Exlusions pply to this Setion n in ition: In respet of eh Insure Person, ompenstion will not e pi y the Insurer i ii uner more thn one of 1, 1 or 1 for the onsequenes of the sme Aient uner 1 n 1e for more thn 104 weeks in ll in respet of one or more Aients. Bsis of Settlement Ajustments In lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Contriution If t the time of Dmge ny other insurne hs een effete y or on ehlf of the Insure overing Money or ny other property insure y this Setion in whole or in prt, the Insurers liility uner this Setion shll e limite to the Insurers rtele proportion of suh Dmge. The Insurer will not py for 1 loss rising from the ishonesty of ny prtner, iretor or employee of the Insure whih is not isovere within 15 working ys of suh loss 2 Dmge to ny mhine whih uses oins, notes or tokens 3 loss ue to theft of or from ny unttene vehile 4 shortge ue to error or omission 5 ny loss uner Item 2.f. (s esrie in the Sheule), unless the key or keys to the speifie sfes or strongrooms re remove from the Premises, or if person is uthorise to hol suh keys n tht person lives on the Premises, tht person removes ll keys to tht prt of the Premises in whih tht person tully lives 6 onsequentil loss or Dmge of ny kin or esription 7 Dmge, eth, Aient, islement or emotionl stress rising outsie Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns 2 Dmge to the Premises Provie tht Setion 1 Property Dmge is insure uner this Poliy, in the event tht Builings re not overe y Setion 1 Property Dmge the Insurer will py osts for whih the Insure re responsile, neessrily n resonly inurre y the Insure to repir Dmge to the Premises s iret result of theft or ttempte theft of Money within the Insure s Premises (n s insure y this Setion) 49

52 Complete Business Poliy Woring Setion 4 Money (ontinue) Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Preutions The Insure must exerise ue re in seleting employees to e entruste with Money n shll otin n will ontinue to otin stisftory written referenes n onfirmtion of suh referenes iretly from the previous employers keep proper written reor of ll Money overe y this Setion n llow the Insurer to inspet this reor t ll resonle times. seure n lok ll sh registers, sfes n other money ontiners whenever suh ontiners re left unttene uring Business Hours 2 Trnsit In respet of Negotile Money In Trnsit in the personl ustoy of the Insure or of ny uthorise prtner, iretor or employee of the Insure, it is onition preeent to ny liility uner this Setion tht suh Money will e ompnie y 4 Fir Presenttion If lim is me uner Cover 3 of this Setion, the Insurer will not invoke the remeies whih might otherwise hve een ville to it uner Poliy Conition 2 (Fir Presenttion of the Risk) s ginst the Insure, if the filure to mke fir presenttion of the risk onerns only fts or informtion whih relte to prtiulr prtner, iretor or employee. If the prtner, iretor or employee onerne or the Insure on their ehlf mkes reless misrepresenttion of fts, the Insurer my invoke the remeies ville to it uner Poliy Conition 2 (Fir Presenttion of the Risk) s ginst tht prtner, iretor or employee only, s if seprte insurne ontrt h een issue to suh person, leving the reminer of the Poliy unffete. 5 Fruulent Clims If ny fru to whih Poliy Conition 7 (Fru) reltes is perpetrte y or on ehlf of n Insure Person (n not on ehlf of the Insure), Poliy Conition 7 (Fru) shoul e re s if it pplies only to tht Insure Person's lim n referenes to the Poliy shoul e re s if they were referenes to the over effete for tht person lone n not to the Poliy s whole. 2 ults when in exess of 3,000 3 ults when in exess of 6,000 professionl seurity ompny when in exess of 15,000 unless otherwise gree y the Insurer in writing or mene y luse pplile to this Setion s speifie in the Sheule. 3 Aitionl Clims Conitions In the event of Aient or emotionl stress the Insure Person must i s soon s possile fter the Aient hs ourre, onsult qulifie meil prtitioner n follow the vie of suh prtitioner ii sumit to ny meil exmintion me on ehlf of the Insurer iii in the event of lim eing me for the ost of professionl ounselling, supply the Insurer with reommention for tretment in writing y qulifie meil prtitioner In the event of the eth of n Insure Person s result of Aient the Insurer shll e entitle, t the Insurers expense, to rrnge post-mortem exmintion The Insurer will not py for ny lim unless the terms of this Conition hve een omplie with. 50

53 Complete Business Poliy Woring Setion 5 Own Goos in Trnsit Definitions Goos Goos elonging to the Insure or hel y the Insure in trust n for whih the Insure is responsile. Territoril Limits Gret Britin, Northern Ireln, the Repuli of Ireln, the Isle of Mn or the Chnnel Islns, inluing se or ir trnsits etween these territories. Tools Any hn tool or ny hn hel portle power tool or their prts elonging to the Insure or hel y the Insure in trust n for whih the Insure is responsile. Trnsit Crrying Goos n Tools in onnetion with the Business y ny mens of trnsit esrie in the Sheule, inluing loing n unloing Goos n Tools temporry storge of Goos n Tools in wrehousing uring trnsit, for up to 30 ys. Vehile Any vehile owne or operte y the Insure. Bsis of Settlement 1 The most the Insurer will py for ny one lim or series of lims rising out of ny one ourrene of Dmge is the mximum ny one Vehile, the mximum ny one loss or ny other limit of liility speifie in the Sheule for lothing or personl effets, 500 per person 2 The Insurer will py the Insure the vlue of the Goos n Tools in Trnsit t the time of Dmge. 3 The Insurer will lso py the vlue of lothing or personl effets of the river of ny Vehile or of ny other person uthorise to e in the Vehile t the time of Dmge. Automti Reinsttement In the sene of written notie y the Insure or the Insurer, in onsiertion of the Sum Insure not eing reue y the mount of ny lim from the te of the Event, the Insure will py the pproprite itionl premium ue for the perio from the te of the Event to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. Cover The Insurer will py the Insure for 1 Dmge to Goos n Tools in Trnsit within the Territoril Limits 2 Dmge to the lothing or personl effets of the river of ny Vehile or of ny other person uthorise to e in the Vehile. 51

54 Complete Business Poliy Woring Setion 5 Own Goos in Trnsit (ontinue) Bsis of Settlement Ajustments In lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Averge (Unerinsurne) If the vlue of Goos n Tools in or on ny Vehile t the time of ny Dmge is of greter vlue thn the mximum ny one Vehile or ny other limit of liility speifie in the Sheule for tht Vehile, the mount pyle y the Insurer will e proportiontely reue. 2 Sheets n Ropes In respet of Vehiles, over inlues Dmge to sheets, ropes n pking mterils, ut exluing Dmge ue to unexpline shortge or ispperne, wer n ter or epreition. 3 Aitionl Vehiles Cover inlues Dmge to Goos n Tools in ny itionl Vehile not speifie in the Sheule up to n mount of 2,500 ny one lim, provie tht the Insure shll vise the Insurer of the quisition of suh itionl Vehile within 21 ys of its quisition n py ny itionl premium require y the Insurer. 4 Sustitute Vehiles Cover inlues Dmge to Goos n Tools rising out of the use of ny vehile in sustitution y the Insure whilst ny Vehile is unergoing servie or repir, up to the mount of the Limit of Liility speifie in the Sheule pplile to the Vehile unergoing servie or repir. 5 Trnsshipment n Deris Removl Costs Cover inlues osts n expenses neessrily n resonly inurre in trnsshipment n reovery of Goos n Tools following ollision or overturning of the onveying Vehile, or impt with ny ojet y the onveying Vehile removl of eris n site lerne following Dmge to Goos, up to n mount of 7,500 ny one lim. The Insurer will not py for suh osts n expenses rising from pollution or ontmintion of or to property not insure y this Setion. Setion Exlusions The Poliy Exlusions pply to this Setion n in ition: The Insurer will not py for 1 Dmge in respet of property more speifilly insure 2 Dmge ue to e f epreition, eteriortion or ontmintion, unless use y ient to the onveying vehile inherent vie, lekge or orinry loss in weight or volume ruising, srthing, hipping, enting, rust, oxiistion or isolourtion mehnil or eletril rekown, filure or erngement fults in proessing or the insuffiieny or unsuitility of pking or preprtion ely or loss of mrket 3 Dmge to the ontents of ny pkge not involving outwr n visile Dmge to the pkge 4 Dmge in respet of Goos n Tools in ny open sie, urtin sie, open top or soft top Vehile or triler ue to wter or tmospheri onitions theft unless suh Vehile or triler is stolen t the sme time 5 Dmge in respet of jewellery, preious stones, preious metls, ullion, furs, works of rt, rre ooks, Money, ons, seurities of ny esription, ees, ouments, mnusripts, usiness ooks, plns, esigns, livestok or the Insure s own mhinery n plnt (other thn tools if speifie s inlue in the Sheule) 6 Dmge to the Property Insure use y theft or ttempte theft of suh property from n unttene Vehile unless suh vehile is protete s esrie uner the terms of Setion Conition 2 of this Setion 7 onsequentil loss or Dmge of ny kin or esription, other thn ny onition of verge n slvge hrges for whih the Insure eomes lile in respet of ny Trnsit insure y this Setion 8 the Exess. 52

55 Complete Business Poliy Woring Setion Conitions The Poliy Conitions pply to this Setion n in ition: 1 Preutions The Insure must instll ny itionl protetions to ny Vehile ske for y the Insurer exerise ue re in seleting employees to e entruste with Vehiles, Goos or Tools ensure tht Vehiles re mintine in roworthy onition. 2 Vehile Protetions Whenever Property Insure is left in unttene Vehiles, the Insure must ensure tht ll seurity loks, lrms n other seurity evies re mintine in n effiient working onition ll oors re loke, winows n other openings lose n seurely fstene n ll intruer lrm instlltions n other seurity evies re me opertive whenever the Vehiles re left unttene Vehiles re ontine in seurely loke uiling if left unttene overnight (for the purpose of this Setion overnight shll men from 9.00pm or whenever the Vehile ws lst oupie whihever the erlier, to 6.00m or until the Vehile is first use whihever is the lter). 3 Aitionl Clims Conition In the se of Trnsit y ro or ril rrier or y post, immeitely the Insure eomes wre of ny ourrene giving rise to or likely to give rise to lim uner this Setion, the Insure shll tke ll prtile steps to notify the rrier onerne of ny Dmge within the time limits for notifition of lims stipulte in the pplile onitions of rrige or ontrt. 53

56 Complete Business Poliy Woring Setion 6 Speifie All Risks Definitions Dmge/Dmge Aientl loss or estrution of or mge. Premises Builings t the ress or resses shown in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile n eing, unless more speifilly esrie in the Sheule, oupie solely y the Insure for the purpose of the Business. Property/Property Insure Property esrie in the Sheule. Territoril Limits A the Premises B C D nywhere within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns nywhere within ountries of the Europen Union Worl Wie. Vehile Any vehile owne or operte y the Insure. Cover The Insurer will py the Insure for Dmge to Property Insure whilst within the Territoril Limits speifie in the Sheule ourring uring the Perio of Insurne. Bsis of Settlement 1 The Insurer will py the Insure the vlue of the Property Insure t the time of its Dmge, or t the Insurer s option will reinstte or reple suh Property or ny prt of suh Property. 2 The most the Insurer will py for ny one lim is the Totl Sum Insure, or for eh item its iniviul Sum Insure, t the time of Dmge the mount of the Sum Insure remining fter eution for ny other Dmge ourring uring the sme Perio of Insurne, unless the Insurer grees to reinstte ny suh Sum Insure. Automti Reinsttement In the sene of written notie y the Insure or the Insurer, in onsiertion of the Sum Insure not eing reue y the mount of ny lim from the te of the Dmge, the Insure will py the pproprite itionl premium ue for the perio from the te of the Dmge to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. Bsis of Settlement Ajustments In lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Averge (Unerinsurne) If t the time of Dmge the Sum Insure for ny item is less thn the vlue of the item overe y suh Sum Insure, the mount pyle y the Insurer will e proportiontely reue. 2 Contriution n Averge If t the time of Dmge ny other insurne hs een effete y or on ehlf of the Insure overing ny of the Property Dmge, the Insurer s liility uner this Setion shll e limite to the Insurer s rtele proportion of suh Dmge. If suh other insurne is sujet to verge (unerinsurne), this Setion if not lrey sujet to verge shll e sujet to verge in like mnner. If suh other insurne is sujet to ny provision whih exlues it from rnking onurrently with this Setion, either in whole or in prt, or from ontriuting rtely, the liility of the Insurer uner this Setion shll e limite to tht proportion of the Dmge whih the Sum Insure for this Setion ers to the vlue of the Property. 3 Dt Proessing n Anillry Equipment Cover inlues Dmge to t proessing n nillry equipment use y ryness or mpness of tmosphere, extremes of temperture, orrosion or rust, if iretly resulting from Dmge to ny ir onitioning filities. 4 Intereste Prties The Insurer grees to note the interest of ny prty notifying their interest in ny of the Property Insure in writing, the nture n extent of suh interest to e islose in the event of Dmge. 54

57 Complete Business Poliy Woring Setion Exlusions The Poliy Exlusions pply to this Setion n in ition: The Insurer will not py for 1 Dmge use y or rising from e f g h i wer n ter, inherent efet rot, milew, rust, orrosion, frost, pollution or ontmintion ruising, srthing, hipping, enting, oxiistion or isolourtion insets, wooworm, vermin yeing, lening, repir, renovtion eletroni, eletril or mehnil rekown, filure or erngement fulty mnipultion, esign, pln, speifition or mterils grul eteriortion, mrket epreition onsequentil loss or Dmge of ny kin or esription 2 Dmge to Property Insure use y its unergoing ny proess involving the pplition of het 3 Dmge suffere y the Insure s result of eing eeive into knowingly prting with Property 4 Dmge to the Property Insure use y theft or ttempte theft of suh property from n unttene Vehile unless suh Vehile is protete s esrie uner the terms of Setion Conition 1 of this Setion 5 Dmge not ourring within the Territoril Limits speifie in the Sheule Setion Conitions The Poliy Conitions pply to this Setion n in ition: 1 Vehile Protetions Whenever Property Insure is left in unttene Vehiles, the Insure must ensure tht ll seurity loks, lrms n other seurity evies re mintine in n effiient working onition ll oors re loke, winows n other openings lose n seurely fstene n ll intruer lrm instlltions n other seurity evies re me opertive whenever the Vehiles re left unttene Vehiles re ontine in seurely loke uiling if left unttene overnight (for the purpose of this Setion overnight shll men from 9.00pm, or whenever the Vehile ws lst oupie whihever is the erlier, to 6.00m or until the Vehile is first use whihever is the lter). 2 Aitionl Clims Conitions The Insurer will not py for ny lim for Dmge whih is not notifie to the Insurer within 30 ys of the ourrene of suh Dmge. 3 Reinsttement If ny Property is to e reinstte or reple y the Insurer, the Insure shll t their own expense provie ll ouments, ooks n informtion s my resonly e require. The Insurer shll not e oun to reinstte extly, ut only s irumstnes permit, n in resonly suffiient mnner, n shll not in ny se e oun to expen for ny one item of this Setion more thn its Sum Insure. 6 the Exess. 55

58 Complete Business Poliy Woring Setion 7 Employers' Liility Definitions At of Terrorism Any t inluing ut not limite to the use of fore or violene n/or thret thereof of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s) ommitte for politil religious ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer. Business The usiness speifie in the Sheule onute solely from Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns n inluing 1 the ownership, mintenne n repir of Premises use in onnetion therewith 2 the provision n mngement of nteen, soil, sports or welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure 3 the exeution of privte uties y Employees for ny prtner, iretor or senior offiil of the Insure. Employee 1 ny person uner ontrt of servie or pprentieship with the Insure 2 ny of the following persons whilst working for the Insure in onnetion with the Business e ny lour mster or lour only suontrtor or person supplie y him ny self-employe person proviing lour only ny trinee or person unergoing work experiene ny voluntry helper ny person who is orrowe y or hire to the Insure. Injury Boily injury, eth, isese, illness, mentl injury or nervous shok. Offshore Instlltions 1 ny instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion 2 ny instlltion in the se or til wters whih is intene for the storge or reovery of gs 3 ny pipe or system of pipes in the se or til wters 4 ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in 1, 2 or 3 of this efinition. Territoril Limits 1 Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns 2 elsewhere in the worl in respet of Injury sustine y ny Employee resient within Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns n use whilst suh Employee is temporrily employe outsie these territories provie tht ny tion for ompenstion in respet of suh Injury is rought in ourt of lw within the si territories or ny other memer ountry of the Europen Union. Cover The Insurer will inemnify the Insure ginst legl liility to py ompenstion n limnts osts n expenses in respet of Injury sustine y ny Employee rising out of n in the ourse of the employment or enggement of suh person y the Insure in onnetion with the Business n use within the Territoril Limits uring the Perio of Insurne. Costs n Expenses In ition the Insurer will py osts n expenses inurre y the Insurer or with the written onsent of the Insurer 1 in onnetion with the efene of ny lim 2 for representtion of the Insure t ny oroner s inquest or ftl ient inquiry in respet of eth Limit of Inemnity Limit of inemnity speifie in the Sheule. t proeeings in ny ourt of summry jurisition or on initment in ny higher ourt in respet of ny llege reh of sttutory uty resulting in Injury whih my e the sujet of inemnity uner this Setion. 56

59 Complete Business Poliy Woring Limit of Inemnity The Insurer s liility for ll ompenstion, osts n expenses pyle in respet of ny one lim or series of lims rising out of one ourrene shll not exee the Limit of Inemnity stte in the Sheule. Provie tht in respet of n At of Terrorism the Limit of Inemnity shll not exee 5,000,000. If the Insurer lleges tht y reson of this limittion ny loss, Dmge, ost or expense is not overe the uren of proving the ontrry shll e upon the Insure in respet of the inemnity provie uner this Setion for Extension 5 Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs i the liility of the Insurer shll not exee 5,000,000 in ny one Perio of Insurne ii ll mounts pyle will form prt of n not e in ition to the Limit of Inemnity iii where the Insurer hs lrey inemnifie the Insure in respet of legl osts or expenses inurre in onnetion with the efene of ny riminl proeeings (inluing ppels ginst onvition rising from suh proeeings) rising out of the sme ourrene whih gve rise to si proeeings uner nother Setion of the Poliy the mount pi uner tht Setion shll ontriute to the mximum mount pyle uner this Setion. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) 1 Inemnity to Other Prties If the Insure so request the Insurer will inemnify the following prties ny offier or ommittee memer or other memer of the Insure s nteen, soil, sports or welfre orgnistions or mulne, first i, fire, meil or seurity servies ginst liility inurre in suh pity ny prinipl for whom the Insure hve gree to exeute work uner ontrt or greement ginst liility rising out of the performne of suh work y the Insure n in respet of whih the Insure re leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure Provie tht i eh suh prty shll oserve, fulfil n e sujet to the terms n onitions of this Setion in so fr s they n pply ii the Insurer s liility to the Insure n ll prties inemnifie shll not exee in totl the Limit of Inemnity. 2 Helth n Sfety t Work Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so request ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of osts n expenses inurre with the Insurer s written onsent osts n expenses of the proseution wre ginst ny suh prty n in onnetion with riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner the Helth n Sfety t Work et. At 1974 or the Helth n Sfety t Work (Northern Ireln) Orer 1978 ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business Provie tht i the proeeings relte to the helth, sfety or welfre of ny Employee ii the Insurer shll hve the onut n ontrol of ll the si proeeings n ppels the Insurer will not py for fines or penlties of ny kin proeeings or ppels in respet of ny elierte or intentionl riminl t or omission osts or expenses insure y ny other poliy. ny prtner, iretor or Employee of the Insure ginst liility inurre in suh pity n in respet of whih the Insure woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure s though eh prty ws iniviully nme s the Insure in this Setion 57

60 Complete Business Poliy Woring Setion 7 Employers' Liility (ontinue) 3 Unstisfie Court Jugements If jugement for ompenstion or osts in respet of Injury sustine y ny Employee rising out of n in the ourse of employment or enggement y the Insure in onnetion with the Business n use within the Territoril Limits uring the Perio of Insurne is otine y suh Employee in ny ourt situte within Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns ginst ny person or orporte oy omiile or operting from premises within suh territories n remins wholly or prtly unstisfie 6 months fter the te of suh jugement the Insurer will if the Insure so request py to the si Employee the mount of ny suh ompenstion n osts to the extent tht they remin unstisfie Provie tht i there is no ppel outstning ii the Employee shll hve ssigne the jugement to the Insurer iii this Setion ws shown in the Sheule t the time of the Injury. 4 Court Attenne Compenstion If uring the Perio of Insurne ny prtner, iretor or Employee of the Insure is require to tten ourt s witness t the request of the Insurer in onnetion with lim whih is the sujet of inemnity uner this Setion the Insurer will py ompenstion to the Insure on the following sle for eh y tht ttenne is require ny iretor or prtner 750 ny Employee Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs The Insurer will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Insurer n osts of the proseution wre ginst the Insure in onnetion with the efene of ny riminl proeeings (inluing ny ppel ginst onvition rising from suh proeeings) rought uner The Corporte Mnslughter n Corporte Homiie At 2007 or ny equivlent legisltion in the Chnnel Islns or the Isle of Mn in respet of ny ftl injury sustine n use uring the Perio of Insurne in the ourse of the Business n whih my e sujet to inemnity uner this Setion Provie tht the Insurer grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment. The Insurer will not py for i ii iii iv v ny fines or penlties impose on the Insure or the ost of implementing ny remeil orer or puliity orer legl osts n expenses in onnetion with n ppel unless soliitor or ounsel vise tht there re strong prospets of sueeing in the ppel or reovering osts wre ginst the Insure t ll times throughout the ppels proess. Any hnge to suh prospet of suess uring the ppels proess my result in over eing remove osts n expenses provie y nother soure or ny other insurne or where ut for the existene of this Extension woul hve een provie y suh soure or insurne osts n expenses in onnetion with the efene of ny riminl proeeings rought in ny ountry other thn Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns osts n expenses in onnetion with the efene of ny riminl proeeings resulting from ny elierte or intentionl riminl t or omission y the Insure or ny prtner or iretor of the Insure or ny Employee. Setion Exlusions Poliy Exlusion 3 pplies to this Setion n in ition it oes not over: 1 Mehnilly Propelle Vehiles liility in respet of Injury to ny Employee rising out of the ownership possession or use y or on ehlf of the Insure of ny mehnilly propelle vehile or triler tthe thereto if suh liility is require y ny ro trffi legisltion to e the sujet of ompulsory insurne or other seurity. 2 Offshore Instlltions liility in respet of Injury to ny Employee who is working on visiting or trvelling to or from Offshore Instlltions. 58

61 Complete Business Poliy Woring Setion Conitions The Poliy Conitions pply to this Setion with the exeption of Poliy Conitions 12, n 24. In ition the following Conitions pply to this Setion: 1 Compulsory Insurne Legisltion The inemnity grnte y this Setion is eeme to e in orne with the provisions of ny lw relting to ompulsory insurne of liility to Employees in Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns ut the Insure shll repy to the Insurer ll sums pi y the Insurer whih the Insurer woul not hve een lile to py ut for the provisions of suh lw. 2 Certifite of Employers' Liility If this Poliy or Setion is nelle ny ertifite of Employers' Liility insurne issue hereuner is similrly nelle from the sme te. 59

62 Complete Business Poliy Woring Setion 8 Puli n Prouts Liility Definitions At of Terrorism Any t inluing ut not limite to the use of fore or violene n/or thret thereof of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s) ommitte for politil religious ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer. Asestos Asestos or fires or prtiles of sestos or ny mteril ontining sestos Business The usiness speifie in the Sheule onute solely from Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns n inluing 1 the ownership, mintenne n repir of Premises use in onnetion therewith 2 the provision n mngement of nteen, soil, sports or welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure 3 the exeution of privte uties y Employees for ny prtner iretor or senior offiil of the Insure. Employee 1 ny person uner ontrt of servie or pprentieship with the Insure 2 ny of the following persons whilst working for the Insure in onnetion with the Business e ny lour mster or lour only suontrtor or person supplie y him ny self-employe person proviing lour only ny trinee or person unergoing work experiene ny voluntry helper ny person who is orrowe y or hire to the Insure. Fmily The Insure s spouse/prtner, hilren, prents n other immeite reltives living with the Insure permnently Injury 1 oily injury, eth, isese, illness, mentl injury or nervous shok 2 invsion of the right of privy, flse rrest, flse imprisonment, flse evition or mliious proseution of ny person. Limit of Inemnity The limit of inemnity speifie in the Sheule Offshore Instlltions 1 ny instlltion in the se or til wters whih is intene for unerwter exploittion of minerl resoures or explortion with view to suh exploittion 2 ny instlltion in the se or til wters whih is intene for the storge or reovery of gs 3 ny pipe or system of pipes in the se or til wters 4 ny instlltion whih is intene to provie ommotion for persons who work on or from the lotions speifie in 1, 2 or 3 of this efinition. Pollution or Contmintion 1 ll pollution or ontmintion of uilings or other strutures or of wter or ln or the tmosphere; n 2 ll Injury, loss or Dmge iretly or iniretly use y suh pollution or ontmintion. All pollution or ontmintion whih rises out of or in onnetion with one inient shll e eeme to hve ourre t the time suh inient tkes ple. Prouts Any goos or other mteril property (inluing their ontiners, pkging, lelling n instrutions for use) sol, supplie, elivere, instlle, erete, repire, ltere, trete or teste y the Insure in onnetion with the Business n not in the hrge or ontrol of the Insure. 60

63 Complete Business Poliy Woring Territoril Limits 1 Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns 2 ny other memer ountry of the Europen Union 3 elsewhere in the worl in respet of Injury, loss or mge use y or rising from Cover non-mnul tivities of ny prtner, iretor or Employee of the Insure normlly resient within Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns n ourring uring ny journey or temporry visit Prouts Item 1 Puli Liility The Insurer will inemnify the Insure ginst legl liility to py ompenstion n limnts osts n expenses in respet of ientl 1 Injury to ny person 2 Loss of or Dmge to mteril property 3 Nuisne, trespss, ostrution or interferene with ny right of wy, light, ir or wter ourring within the Territoril Limits uring the Perio of Insurne in onnetion with the Business n not use y or rising from Prouts other thn ny Prouts onnete with i the provision n mngement of nteen, soil, sports or welfre orgnistions for the enefit of Employees n the mulne, first i, fire, meil n seurity servies of the Insure ii the exeution of privte uties y Employees for ny prtner, iretor or senior offiil of the Insure ny foo or rink supplie to prtners, iretors, Employees or non-pying guests of the Insure the isposl of furniture n offie equipment originlly intene solely for use y the Insure in onnetion with the Business n whih is no longer require for tht purpose the ientl ostrution of peestrin or vehiulr trffi use y los elivere y ny vehile of the Insure. Item 2 Prouts Liility The Insurer will inemnify the Insure ginst legl liility to py ompenstion n limnts osts n expenses in respet of ientl 1 Injury to ny person 2 Loss of or Dmge to mteril property ourring uring the Perio of Insurne n use y or rising from Prouts. Costs n Expenses In ition the Insurer will py osts n expenses inurre y the Insurer or with the written onsent of the Insurer 1 in onnetion with the efene of ny lim 2 for representtion of the Insure t ny oroner s inquest or ftl ient inquiry in respet of eth t proeeings in ny ourt of summry jurisition or on initment in ny higher ourt in respet of ny llege reh of sttutory uty resulting in Injury, loss or mge whih my e the sujet of inemnity uner this Setion. Limit of Inemnity 1 The Insurer s liility for ll ompenstion pyle in respet of ny one ourrene or ll ourrenes of series onsequent on or ttriutle to one soure or originl use ll Injury, loss or mge sustine y ll limnts ourring uring ny one Perio of Insurne n use y n rising from Prouts ll Pollution or Contmintion whih is eeme to hve ourre uring ny one Perio of Insurne shll not exee the Limit of Inemnity stte in the Sheule. 2 In respet of ll lims ginst the lnsure me within the legl jurisition of the Unite Sttes of Ameri or Cn or ny epeneny or trust territory the Limit of Inemnity shll e inlusive of the mount of ll limnts' osts n expenses 61

64 Complete Business Poliy Woring Setion 8 Puli n Prouts Liility (ontinue) osts n expenses inurre y the lnsurer or with the written onsent of the lnsurer in onnetion with the efene of suh lims. Provie tht i ii in respet of n At of Terrorism the Limit of Inemnity shll not exee 5,000,000. If the Insurer lleges tht y reson of this limittion ny loss mge ost or expense is not overe the uren of proving the ontrry shll e upon the Insure in respet of the inemnity provie uner this Setion for Extension 11 Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs the liility of the Insurer shll not exee 5,000,000 or the Limit of Inemnity (whihever is less) in ny one Perio of Insurne ll mounts pyle will form prt of n not e in ition to the Limit of Inemnity where the Insurer hs lrey inemnifie the Insure in respet of legl osts or expenses inurre in onnetion with the efene of riminl proeeings (inluing ppels ginst onvition rising from suh proeeings) rising out of the sme use or ourrene whih gve rise to si proeeings uner nother Setion of the Poliy the mount pi uner tht Setion shll ontriute to the mximum mount pyle uner this Setion. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) 1 Inemnity to Other Prties If the Insure so request the Insurer will inemnify the following prties ny offier or ommittee memer or other memer of the Insure s nteen, soil, sports or welfre orgnistions or mulne, first i, fire, meil or seurity servies ginst liility inurre in suh pity ny prtner, iretor or Employee of the Insure ginst liility inurre in suh pity n in respet of whih the Insure woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure ny prinipl for whom the Insure hve gree to exeute work uner ontrt or greement ginst liility rising out of the performne of suh work y the Insure n in respet of whih the Insure re leglly lile n woul hve een entitle to inemnity uner this Setion if the lim h een me ginst the Insure Provie tht i eh suh prty shll oserve, fulfil n e sujet to the terms n onitions of this Setion in so fr s they n pply ii the Insurer s liility to the Insure n ll prties inemnifie shll not exee in totl the Limit of Inemnity. 2 Joint Insure Cross Liilities If more thn one prty is nme s the Insure this Setion shll pply s though eh were insure seprtely provie tht the Insurer s liility to ll prties inemnifie shll not exee in totl the Limit of Inemnity. 3 Overses Personl Liility The Business is extene to inlue personl tivities (not onnete with ny ginful ouption or profession nor with the ownership or tenure of ny ln or uiling) of ny prtner, iretor or Employee of the Insure or Fmily memer of suh prtner iretor or Employee normlly resient within Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns in the ourse of ny journey or temporry visit to ny other ountry me in onnetion with the Business. 4 Motor Contingent Liility The Insurer will inemnify the Insure in the terms of this Setion ginst liility rising out of the use in onnetion with the Business of ny vehile not owne provie or eing riven y the Insure ut this Setion oes not over liility in respet of Dmge to suh vehile rising out of ny suh use in ny ountry outsie the Europen Union inurre y ny prty other thn the Insure inurre y ny prty ientifie in Extension 1 (Inemnity to Other Prties), prgrph, other thn n Employee For the purpose of this over Exlusion 1 of this Setion oes not pply. s though eh prty were iniviully nme s the Insure in this Setion 62

65 Complete Business Poliy Woring 5 Helth n Sfety t Work Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so request ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of osts n expenses inurre with the Insurer s written onsent osts n expenses of the proseution wre ginst ny suh prty in onnetion with riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner the Helth n Sfety t Work et. At 1974 or the Helth n Sfety t Work (Northern Ireln) Orer 1978 ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business Provie tht i the proeeings relte to the helth, sfety or welfre of ny person other thn n Employee ii the Insurer shll hve the onut n ontrol of ll the si proeeings n ppels. The Insurer will not py for fines or penlties of ny kin proeeings or ppels in respet of ny elierte or intentionl riminl t or omission osts or expenses insure y ny other insurne. 6 Dt Protetion The Insurer will inemnify the Insure n t the Insure s request ny prtner, iretor or Employee of the Insure ginst the sums whih the Insure or ny iretor, prtner or Employee of the Insure eome(s) leglly lile to py s ompenstion, uner Setion(s) 22 n/or 23 of the Dt Protetion At 1984 s mene y the Dt Protetion At 1998, for mge or istress resulting from filure of the Insure to omply with t protetion legisltion n use in onnetion with the Business uring the Perio of Insurne. Provie tht the Insure is i registere user in orne with t protetion legisltion ii not in usiness s t proessing ureu. The totl mount pyle inluing ll osts n expenses uner this prgrph in respet of ll lims ourring uring ny one Perio of Insurne is limite to 250,000. The Insurer will not py for i ny Dmge or istress use y ny elierte t or omission y the Insure the result of whih oul resonly hve een expete y the Insure hving regr to the nture n irumstnes of suh t or omission ii ny Dmge or istress use y ny t of fru or ishonesty iii the osts n expenses of retifying, rewriting or ersing t iv liility rising from the reoring, proessing or provision of t for rewr or to etermine the finnil sttus of ny person v the pyment of fines or penlties. 7 Defetive Premises At 1972 The Insurer will inemnify the Insure in the terms of this Setion ginst liility inurre y the Insure uner Setion 3 of the Defetive Premises At 1972 or Setion 5 of the Defetive Premises (Northern Ireln) Orer 1975 in onnetion with premises or ln ispose of y the Insure. This extension oes not over the ost of retifying ny Dmge or efet in the premises or ln ispose of liility for whih the Insure is entitle to inemnity uner ny other insurne. liility rising out of the presene of Asestos 8 Consumer Protetion n Foo Sfety Ats Legl Defene Costs The Insurer will inemnify the Insure n if the Insure so request ny prtner, iretor or Employee of the Insure in the terms of this Setion in respet of legl osts n expenses inurre with the written onsent of the Insurer in onnetion with the efene of ny riminl proeeings or n ppel ginst onvition rising from suh proeeings rought in respet of ny offene uner Prt 2 of the Consumer Protetion At 1987 or Setion(s) 7, 8, 14, n/or 15 of the Foo Sfety At

66 Complete Business Poliy Woring Setion 8 Puli n Prouts Liility (ontinue) ommitte or llege to hve een ommitte uring the Perio of Insurne in onnetion with the Business provie tht the Insurer shll hve the onut n ontrol of ll the si proeeings n ppels. The Insurer will not py for i fines or penlties of ny kin ii proeeings or ppels in respet of ny elierte t or omission iii osts or expenses insure y ny other poliy. 9 Court Attenne Compenstion If uring the Perio of Insurne ny prtner, iretor or Employee of the Insure is require to tten ourt s witness t the request of the Insurer in onnetion with lim whih is the sujet of inemnity uner this Setion the Insurer will py ompenstion to the Insure on the following sle for eh y tht ttenne is require ny iretor or prtner 750 ny Employee Contrtul Liility In respet of liility ssume y the Insure y ontrt or greement entere into y the Insure n whih woul not hve tthe in the sene of suh ontrt or greement the inemnity provie y this Setion shll only pply if the sole onut n ontrol of ny lim is veste in the Insurer Provie tht the Insurer grees etils of the speifi soliitor or ounsel who re to t on ehlf of the Insure prior to their ppointment The Insurer will not py for i ny fines or penlties impose on the Insure or the ost of implementing ny remeil orer or puliity orer ii legl osts n expenses in onnetion with n ppel unless soliitor or ounsel vise tht there re strong prospets of sueeing in the ppel or reovering osts wre ginst the Insure t ll times throughout the ppels proess. Any hnge to suh prospet of suess uring the ppels proess my result in over eing remove iii osts n expenses provie y nother soure or ny other insurne or where ut for the existene of this Extension woul hve een provie y suh soure or insurne iv osts n expenses in onnetion with the efene of ny riminl proeeings rought in ny ountry other thn in Gret Britin, Northern Ireln, the Isle of Mn n the Chnnel Islns v osts n expenses in onnetion with the efene of ny riminl proeeings resulting from ny elierte or intentionl riminl t or omission y the Insure or ny prtner or iretor of the Insure or ny Employee Provie tht the Insurer shll not in ny event provie inemnity uner Exlusion 9 of this Setion exept s stte therein in respet of liquite mges or fines or mges impose y or pyle uner ny penlty luse. 11 Corporte Mnslughter n Corporte Homiie At 2007 Legl Defene Costs The Insurer will inemnify the Insure in respet of legl osts n expenses inurre with the prior written onsent of the Insurer n osts of the proseution wre ginst the Insure in onnetion with the efene of ny riminl proeeings (inluing ny ppel ginst onvition rising from suh proeeings) rought uner The Corporte Mnslughter n Corporte Homiie At 2007 or ny equivlent in the Chnnel Islns or the Isle of Mn in respet of ny ftl injury ourring uring the Perio of Insurne in the ourse of the Business n whih my e the sujet of inemnity uner this Setion 64

67 Complete Business Poliy Woring Setion Exlusions Poliy Exlusions 2, 3 n 9 pply to this Setion n in ition it oes not over: 1 Liility in respet of Injury to ny Employee rising out of n in the ourse of the employment or enggement of suh person y the Insure. 2 Liility in respet of Injury or Dmge rising in onnetion with work on or trvel to or from Offshore Instlltions. 3 Liility in respet of fines, penlties or liquite mges punitive, exemplry or ggrvte mges or ny mges resulting from the multiplition of ompenstory mges. 4 Liility in respet of Pollution or Contmintion ourring in the Unite Sttes of Ameri or Cn or ny epeneny or trust territory Pollution or Contmintion ourring elsewhere unless use y suen, ientifile, unintene n unexpete inient whih tkes ple in its entirety t speifi time n ple uring the Perio of Insurne. 5 Liility rising out of the ownership, possession or use y or on ehlf of the Insure of ny mehnilly propelle vehile (or triler tthe thereto) whih is require y ny ro trffi legisltion to e the sujet of ompulsory insurne or other seurity ut this Exlusion shll not pply in respet of the loing or unloing of suh vehile or the elivery or olletion of goos to or from suh vehile exept where more speifilly insure y ny other poliy. 6 Liility rising out of the ownership, possession or use y or on ehlf of the Insure of ny vessel or rft esigne to flot on or in or trvel through wter, ir or spe (other thn hn-propelle wterrft). 7 Liility in respet of Dmge to ny property elonging to or in the hrge or ontrol of the Insure other thn personl effets or vehiles of ny prtner, iretor or Employee of or visitor to the Insure Premises (inluing their fixtures n fittings) lese, rente or hire to the Insure ut this Setion oes not over liility tthing to the Insure solely uner the terms of ny tenny or other greement. 8 Liility in respet of Dmge to ny goos or other property sol, supplie, elivere, instlle or erete y or on ehlf of the Insure ll osts of or rising from the nee for reinsttement, mking goo, removl, repir, retifition, replement or rell of i ny suh goos or property ii ny efetive work exeute y or on ehlf of the Insure exept tht 8 n 8i shll not pply to liility in respet of Dmge to the si goos or property if suh Dmge is use y or rises from 1 ny ltertion, repir or serviing work exeute 2 ny other goos or property sol, supplie, elivere, instlle or erete y the Insure uner seprte ontrt. 9 In respet of Injury or Dmge use y or rising from Prouts ny liility whih tthes to the Insure solely uner the terms of n greement other thn i uner ny wrrnty of goos implie y lw ii uner ny inemnity luse in ny greement etween the Insure n ny inepenent rrier in respet of Injury, loss or mge use y Prouts entruste to suh rrier for trnsit y ro ril or wterwy ny Prout instlle or inorporte in ny rft esigne to trvel in or through ir or spe ny lim me ginst the Insure in ny ountry outsie the Europen Union in whih the Insure oupy premises or re represente y ny resient Employee or holer of the Insure s power of ttorney ny liility rising from ny Prouts exporte y the Insure to the Unite Sttes of Ameri or Cn. premises (n their ontents) not elonging, lese, rente or hire to the Insure ut temporrily in the hrge of the Insure for the purpose of rrying out work 65

68 Complete Business Poliy Woring Setion 8 Puli n Prouts Liility (ontinue) 10 Liility for Injury or Dmge rising out of or in onnetion with vie, esign, formul, speifition, inspetion, ertifition or testing provie or performe for fee y or on ehlf of the Insure other thn where provie or performe in onnetion with ny Prout insure y this Setion. 11 Liility in respet of Dmge to ny property omprising or to e inorporte in the ontrt works in respet of ny ontrt unertken y the Insure ginst whih the Insure re require to effet insurne uner the terms of Cluse of the J.C.T. (R.I.B.A.) Conitions of Contrt or of ny other ontrt onition requiring insurne of like kin. 12 Liility rising from or s onsequene of ny mnul work rrie out wy from ny Premises elonging, lese, rente or hire to the Insure other thn elivery or olletion. 13 the Exess. 14 Liility in ny wy use y, rising from or ontriute to y i exposure to or inhltion of Asestos ii fer of the onsequenes of exposure to or inhltion of Asestos Liility for the osts of mngement (inluing those of ny persons uner ny sttutory uty to mnge), removl, repir, ltertion, rell, replement or reinsttement of ny property rising out of the presene of Asestos Setion Conitions The Poliy Conitions pply to this Setion with the exeption of Poliy Conitions 12, n

69 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses The over provie uner this Setion is lims me inemnity n only overs Clims tht the Insure first notifies to the Insurer uring the Perio of Insurne. Definitions In ition to the Poliy Definitions the following lso pply to this Setion: Ats of Prliment All Ats of Prliment referre to in this Setion will inlue referene to ll Orers n Regultions me uner them n to ny susequent menments, re-entments, equivlent legisltion, Regultions or Coes of Prtie, enforele within the Geogrphil Limits. Ajuition Ajuition whether rising uner the Housing Grnt Constrution n Regenertion At 1996 or the Sheme or n juition rising out of ny term in Contrt. Any One Clim All Clims inluing ny ppel ginst jugment or eision rising out of the sme originl use, event or irumstne without the intervention of ny other use strting from new n inepenent soure will e regre s one Clim. Awrs of Compenstion Bsi Awrs n Compenstory Awrs me ginst the Insure y n Employment Triunl, Employment Appel Triunl or Superior Court, or settlements gree s result of negotition, onilition or ritrtion proeeings n to whih the Insurer s previous Consent hs een given, other thn: ny wrs of ompenstion ginst the Insure for reunny pyment or monies ue uner ontrt of employment or ny wr rising from filure y the Insure to provie written resons for ismissl or ny wr or py speifie in reinsttement or re-enggement orer or ny finnil enefit or ompenstion pyle uner ny shre option sheme or pension sheme. Bsi Awrs Bsi Awrs re s etermine in orne with setion 119 of the Employment Rights At For the voine of out Bsi Awrs o not inlue Aitionl Awrs, Protetive Awrs, Aggrvte Dmges or Interim Relief. Clim Cover Event 1 Employment Disputes n 1 Awrs of Compenstion An pplition to n Employment Triunl rought y or on ehlf of ny Employee ginst the Insure for monetry mges or other relief, inluing request for reinsttement or re-enggement. The irumstnes tht give rise to Clim will egin immeitely the Insure first reeives n Employee s Clim Form (ETI) from n Employment Triunl. Cover Event 1 Employment Servie Oupny A ivil proeeing rought y the Insure for the pursuit of vnt possession of Premises elonging to the Insure n oupie y previous Employee of the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, tht previous Employee hs file, or will fil, to vte the Premises t the termintion te of tht Employee s ontrt of employment, resulting in provle finnil loss to the Insure. Cover Event 1 Breh of Restritive Covennt A ivil proeeing rought y the Insure following n tul reh y previous Employee of n express restritive ovennt in tht previous Employee s ontrt of employment in respet of Employees or ustomers of the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, tht previous Employee hs rehe suh n express restritive ovennt, resulting in provle finnil loss to the Insure. Cover Event 2 Txtion Proeeings An HMRC Investigtion. The irumstnes tht give rise to Clim will egin immeitely the Insure or the Insure s ountnt is first wre, or shoul resonly hve een wre, tht n HMRC Investigtion will our. Cover Event 3 Criminl Proseution Defene A riminl proseution rought ginst the Insure Person. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, tht riminl proeeings hve een, or re to e, issue ginst tht Insure Person. Cover Event 4 Dmge to Premises A ivil proeeing rought y the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, of tul physil mge use to the Premises y n ientifile prty resulting in provle finnil loss to the Insure. 67

70 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) Cover Event 5 Dt Protetion A ivil proeeing rought ginst the Insure Person uner Dt Protetion legisltion. The irumstnes tht give rise to Clim will egin immeitely the Insure Person first reeives: writ, summons or similr pleing for injuntive or nonpeuniry relief, thir prty proeeing, or ounterlim or written notifition from the Informtion Commissioner of refusl of the Insure Person s pplition for registrtion or n ltertion to the Insure Person s registrtion prtiulrs or n Enforement, De-registrtion or Trnsfer Prohiition Notie from the Informtion Commissioner. Cover Event 6 Commeril Tenny Agreement A ivil proeeing rought y the Insure. The irumstnes tht give rise to Clim will egin immeitely the Insure is first wre, or shoul resonly hve een wre, of reh of the Insure s Commeril Tenny Agreement y the other prty to tht greement. Cover Event 7 Sttutory Liene Appel An ppel y the Insure Person ginst eision y liensing or regultory uthority to suspen, revoke, lter or refuse to renew the Insure Person s Sttutory Liene. The irumstnes tht give rise to Clim will egin immeitely the Insure Person first reeives notifition from the relevnt liensing or regultory uthority of their intention to suspen, revoke, lter or refuse renewl of the Insure Person s Sttutory Liene. The Insurer will only egin proviing inemnity from the time tht Clim hs een epte following the reeipt y the Insure Person of written onfirmtion from the relevnt liensing or regultory uthority of the eision to suspen, revoke, lter or refuse renewl of the Insure Person s Sttutory Liene. Cover Event 8 Pension Trustee Defene A ivil proeeing rought ginst the Insure Person. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, of the intention of n Employee to hol the Insure Person responsile for ny tul or llege filure to fulfil their oligtions s trustee of pension fun set up for the enefit of the Insure s Employees. Cover Event 9 Employee s Civil Defene A ivil proeeing rought ginst n Employee. The irumstnes tht give rise to Clim will egin immeitely the Insure Person is first wre, or shoul resonly hve een wre, of n event rising from his or her work s n Employee tht oul le to ivil tion eing tken ginst him or her uner legisltion for unlwful isrimintion on the grouns of sex, sexul orienttion, re, isility, ge, religious elief, politil opinion or ny other isrimintion ientifie y Ats of Prliment. Cover Event 10 Personl Injury A ivil proeeing rought y the Insure Person for monetry mges. The irumstnes tht give rise to Clim will egin immeitely the Insure Person suffers eth or oily injury. Cover Event 11 Jury Servie Allowne The irumstnes tht give rise to Clim for Jury Servie Allowne will egin immeitely the Insure first knows, or shoul hve known, tht they hve suffere proven finnil loss s result of proprietor, prtner, iretor or Employee of the Insure hving een sent from work s result of ttenne for jury servie. Cover Event 12 Contrt Disputes Below Smll Clims Limit A ivil proeeing rought y or ginst the Insure for monetry mges or other relief. The irumstnes tht give rise to Clim will egin immeitely the Insure: is first wre, or shoul resonly hve een wre, of n tul or llege reh of Contrt y nother prty to tht Contrt or is first wre, or shoul resonly hve een wre, of the intention of nother prty to Contrt to hol the Insure responsile for ny tul or llege reh of tht Contrt. Compenstory Awrs Compenstory Awrs re the mounts wre t the isretion of n Employment Triunl, Employment Appel Triunl or Superior Court intene to ompenste for loss of ernings n enefits. For the voine of out Compenstory Awrs o not inlue Aitionl Awrs, Protetive Awrs, Aggrvte Dmges or Interim Relief. Commeril Tenny Agreement A written greement uner whih the Insure: lets the Premises to Commeril Tennt; or oupies the Premises s Commeril Tennt in onnetion with the Business n in return for the pyment of rent. Commeril Tennt The tennt nme in the Commeril Tenny Agreement who oupies the Premises for non-resientil purposes. 68

71 Complete Business Poliy Woring Contrt An tul or llege ontrt, whether verl or in writing n to whih the Insure is prty, for the sle, purhse, hire, servie, supply or repir of goos or for the supply or purhse of servie. A Contrt oes not inlue ny tul or llege ontrt with n Employee or ny ontrt of servie entere into etween the Insure n ny su-ontrtor or with nyone who is self-employe. Employer Compline Dispute A ispute whih tkes ple following forml written expression of isstisftion with the Insure s PAYE, Ntionl Insurne Contriutions or Constrution Inustry Sheme ffirs following n employer ompline hek y HMRC or following forml written expression of isstisftion with the Insure s P11Ds or P9Ds or Dt Protetion Compenstion Awrs Compenstion wre uner the terms of setion 13 of the Dt Protetion At 1998 ginst the Insure for the holing, loss or unuthorise islosure of t. Det Reovery Servie The et olletion servie nominte y the Insurer whih is provie s n Aitionl Servie to the Insure for the reovery of Unispute Dets. Employee Any person uner permnent full or permnent prt time ontrt of servie or pprentieship with the Insure. Exess The mount speifie in the Exlusions tht the Insure Person must first py in respet of Any One Clim uner this Setion efore the Insurer then eomes lile to mke pyment uner tht Clim. Geogrphil Limits (Events 1, 2, 3, 4, 5, 6, 7, 8, 9, 11 & 12) Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn. Geogrphil Limits (Event 10 only) Any memer ountry of the Europen Union n Croti, Ieln, Norwy n Switzerln. HMRC HM Revenue & Customs. HMRC Investigtion Business Self Assessment Aspet Enquiry An enquiry following the issue of forml written notie y HMRC uner Prgrph 24(1) Sheule 18 Finne At 1998 or S9A or S12AC of the Txes Mngement At 1970 in orer to mke n enquiry into one or more speifi spets of the Insure s usiness self ssessment return or Business Self Assessment Full Enquiry An enquiry following the issue of forml written notie y HMRC uner Prgrph 24(1) Sheule 18 Finne At 1998 or uner S9A or S12AC of the Txes Mngement At 1970 to exmine the whole of the Insure s usiness self ssessment return or VAT Dispute A ispute whih tkes ple following: i VAT ompline hek where written eision, ssessment or sttement of llege rrers is reeive from HMRC in respet of the Insure s Vlue Ae Tx Return or ii the reeipt y the Insure of forml written notie of VAT efult surhrge. Insure Person The Insure n, t the request of the Insure with the greement of the Insurer, the Insure s proprietors, prtners n iretors n lso ll Employees ting in the norml ourse of their employment. Insurer Allinz Legl Protetion tring nme of Allinz Insurne pl. Jury Servie Allowne The pyment of up to 100 per y to the Insure in respet of n Insure Person who is sent from work s result of their ttenne for jury servie within the Geogrphil Limits, ut only in so fr s this is not otherwise reoverle from the relevnt ourt n pyment of suh sum hs een me y the Insure to the Insure Person uner ny ontrt of employment. The mount tht the Insurer will py is se on: the time the Insure Person is off work inluing the time it tkes to trvel to n from the ourt. This will e lulte to the nerest hlf y ssuming tht whole y is 8 hours if the Insure Person works full time, the slry or wges for eh y equls 1/250th of the Insure Person s nnul slry or wges if the Insure Person works prt time, the slry or wges will e proportion of the Insure Person s weekly slry or wges. Lwphone Legl Helpline A telephone visory servie provie y the Insurer: to vise the Insure on Business relte legl mtters n for the Insure to report ll Clims uner this Setion to the Insurer. 69

72 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) Legl Expenses Fees n Expenses ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the Guieline Hourly Rtes issue y the Senior Courts Costs Offie, s my e gree n onfirme y the written onsent of the Insurer in respet of ny Clim, inluing osts n expenses of expert witnesses n those inurre y the Insurer in onnetion with suh Clim ny osts inurre y other prties, insofr s the Insure Person is hel lile in ivil ourt or triunl to py suh osts or uner settlement me with nother prty with the Insurer s onsent, ut exluing ny osts whih the Insure Person my e orere to py y ourt of riminl jurisition ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the Guieline Hourly Rtes issue y the Senior Courts Costs Offie, s my e gree n onfirme y the written onsent of the Insurer in n ppel, or in resisting n ppel, ginst the jugment of relevnt ourt or triunl ny unreovere professionl fees, expenses or other isursements resonly n properly inurre y the Legl Representtive on the Stnr Bsis n up to the Guieline Hourly Rtes issue y the Senior Courts Costs Offie, or in suh mounts, s my e gree n onfirme y the written onsent of the Insurer where it is neessry for n ountnt to represent the Insure in onnetion with ny Clim relting to n HMRC Investigtion or susequent ppel, ut exluing ny tx or interest n penlties emne, ssesse or requeste y HMRC. Legl Representtive A soliitor, rrister, ountnt or ny other ppropritely qulifie person ppointe in the nme of n on ehlf of the Insure Person with the greement of the Insurer to t for the Insure Person in orne with the terms of this Setion. Resonle Prospets of Stisftory Outome In ivil proeeings Resonle Prospets of Stisftory Outome only exist if the Legl Representtive vises tht the Insure Person is more likely thn not to suee, ssuming the se ws etermine t tril or other finl hering t first instne n the likely mges lime n reovere y or ginst the Insure Person will exee the Insure Person s own likely Legl Expenses In riminl proeeings Resonle Prospets of Stisftory Outome only exist if: i the Insure Person is more likely thn not to suee in efening the proseution ssuming the se ws etermine t tril or other finl hering t first instne or ii the Insure Person is more likely thn not to suee in signifint mitigtion of their sentene or fine where the Insure Person intens to ple guilty to the offene, or is vise to o so y the Legl Representtive In n Employer Compline Dispute or VAT Dispute n in ll ppels following n HMRC Investigtion Resonle Prospets of Stisftory Outome only exist if the Insure is more likely thn not to suee in reversing the eision me or reuing the liilities llege y HMRC. Smll Clims Court A ourt in Engln & Wles tht hers Clim flling uner the smll lims trk in the County Court s efine y Setion 26.6 (1) of the Civil Proeure Rules 1999 or A Sheriff Court in Sotln tht hers smll lim or A Smll Clims Court in Northern Ireln or Any equivlent Court tht hers smll lim uner Event 12 elsewhere within the Geogrphil Limits. Smll Clims Limit The mximum vlue of Clim tht n e her in the Smll Clims Court s shown in the Poliy Sheule. Stnr Bsis The ssessment of Legl Expenses whih re proportionte to the Insure Person s Clim. Sttutory Liene A liene or ertifite of registrtion issue uner sttute, sttutory instrument or y Government or lol uthority to the Insure Person n whih is require to enle the Insure Person to rry on the norml tivities of the Business. 70

73 Complete Business Poliy Woring Tx Avoine Sheme Any mtter whih is notifile to HMRC uner the regultions for Dislosure of Tx Avoine Shemes (DOTAS). Unispute Det Money n interest tht hs not een pi to the Insure uner the terms of Contrt, in respet of whih the other prty to tht Contrt woul not, in the opinion of the Det Reovery Servie or the Insurer, hve relisti hne of sueeing in the efene of ny legl tion tken in respet of the mount ue. Witness Attenne Allowne The pyment of up to 100 per y to the Insure in respet of the Insure Person who is sent from work s result of their ttening s witness for the Insure t hering, ourt, triunl or ritrtion within the Geogrphil Limits t the request of the Legl Representtive with the Insurer s written onsent of, ut only in so fr s this is not otherwise reoverle from the relevnt hering, ourt, triunl or ritrtion. The mount tht the Insurer will py is se on: the time the Insure Person is off work inluing the time it tkes to trvel to n from the hering, ourt, triunl or ritrtion. This will e lulte to the nerest hlf y ssuming tht whole y is 8 hours if the Insure Person works full time, the slry or wges for eh y equls 1/250th of the Insure Person s nnul slry or wges if the Insure Person works prt time, the slry or wges will e proportion of the Insure Person s weekly slry or wges. Limit of Inemnity The mximum mount the Insurer is lile to py uner this Setion is: 1 100,000 Any One Clim other thn Clim relting to Business Self Assessment Aspet Enquiry uner Event 2 Txtion Proeeings, Event 11 Jury Servie Allowne, Event 12 Contrt Disputes Below Smll Clims Limit n Witness Attenne Allowne 2 2,000 Any One Clim relting to Business Self Assessment Aspet Enquiry uner Event 2 Txtion Proeeings 3 5,000 Any One Clim relting to Event 11 Jury Servie Allowne 4 50,000 Any One Clim relting to Event 12 Contrt Disputes Below Smll Clims Limit 5 5,000 Any One Clim relting to Witness Attenne Allowne 6 1,000,000 for ll Clims first notifie to the Insurer uring the Perio of Insurne (olletively the Limit of Inemnity ) The ove mounts re ll inlusive of Legl Expenses. Cover The Insurer grees to py up to the Limit of Inemnity n on ehlf of the Insure Person, Legl Expenses, Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne n Witness Attenne Allowne inurre y the Insure Person in the pursuit or efene of ny Clim rought within the Geogrphil Limits, whih is first notifie to the Insurer uring the Perio of Insurne n whih flls within the over provie y Events 1 to 12 esrie elow. Events (s shown in the Poliy Sheule) 1 Employment Disputes n Awrs of Compenstion The Insure hs over for: Employment Disputes the efene of the legl rights of the Insure in ispute in n Employment Triunl with previous, present or prospetive Employee n whih rises out of or reltes to ontrt of employment or reh of employment or isrimintion legisltion Awrs of Compenstion Employment Servie Oupny the pursuit of previous Employee to reover possession of Premises elonging to the Insure n oupie for resientil purposes y tht previous Employee provie tht: i the ouption of the Property y the previous Employee ws onitionl on their employment y the Insure n ws speifilly inlue s prt of the remunertion within tht previous Employee s ontrt of employment n ii the previous Employee s ontrt of employment hs terminte n ny notie perio hs een omplete (whether notie of resigntion or notie of ismissl n inluing where the Employee ws ple on leve y the Insure for the whole, or prt, of tht notie perio) n iii the te of termintion of the previous Employee s ontrt of employment ws not efore the te this Setion strte 71

74 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) Breh of Restritive Covennt the pursuit of n injuntion ginst previous Employee following reh of n express restritive ovennt in tht Employee s ontrt of employment with the Insure, where the previous Employee hs: i soliite other Employees of the Insure or ii soliite ustomers of the Insure, resulting in proven finnil loss to the Insure Provie tht for ll Clims me uner Event 1: the Insure hs issue ll neessry oumenttion to n Employee s require y legisltion the Insure hs onsulte with n then followe with ue iligene the vie n proeures provie y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih might le to the giving of forml wrning to, or the ismissl of, n Employee the Insure hs onsulte with the Lwphone Legl Helpline immeitely the Insure knew, or ought resonly to hve known, of ny use, event or irumstne whih hs given or my give rise to Clim involving the Insure In respet of ll prts of Event 1 Employment Disputes n Awrs of Compenstion there is no over for: e ny Clim rising s result of the Insure s filure to onsult with n then follow with ue iligene the vie n proeures provie y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih les to the giving of forml wrning to, or the ismissl of, n Employee ny ispute with n Employee who ws sujet to either written or verl wrning (forml or informl) in the 6 months immeitely preeing the first Perio of Insurne ny ispute whih neessittes the estlishment of trnsfer of employment uner the Trnsfer of Unertkings (Protetion of Employment) Regultions 2006 or the Aquire Rights Diretive or reh, or llege reh, of either ny ispute rising out of ny ontrt of servie entere into etween the Insure n ny su-ontrtor or with nyone who is self-employe ny ispute se upon, rising from or in onsequene of ny inustril ispute, inustril or lour ritrtion or olletive rgining greements f ny osts or expenses inurre y the Insure rising out of n internl isiplinry hering or grievne relting to n Employee In respet of Event 1 Employment Servie Oupny there is no over for the efene of the Insure s legl rights, other thn to efen ounter-lim. In respet of Event 1 Breh of Restritive Covennt there is no over for ny ispute with ny iniviul who efore the ineption of this Setion either ese to e n Employee, or ws working uring their notie perio (whether notie of resigntion or notie of ismissl n inluing where the Employee ws ple on leve y the Insure for the whole, or prt, of tht notie perio). 2 Txtion Proeeings The Insure hs over for representtion of the Insure in n HMRC Investigtion, n in ny ppel proeeings rising from tht HMRC Investigtion. Provie tht: the HMRC Investigtion rises out of the Business n the Insure hs kept urte usiness reors in orne with ny relevnt tx requirements n ll relevnt tx returns hve een file on time n Resonle Prospets of Stisftory Outome exist in respet of n Employer Compline Dispute, VAT Dispute n in ll ppels following n HMRC investigtion In respet of Event 2 Txtion Proeeings there is no over for: n Exess of 200 in respet of Business Self Assessment Aspet Enquiry e the preprtion of ounts or self ssessment returns n HMRC Investigtion whih rises out of: i elierte or rekless or reless missttements y the Insure in returns or sumissions me to the relevnt uthorities ii filure y the Insure to mke urte, truthful n up to te sumissions or returns or iii filure y the Insure to oserve sttutory time limits or requirements n HMRC Investigtion whih rises solely from n investigtion of erlier ounts or reors n enquiry uner Puli Notie 160 or Setion 60 of the VAT At

75 Complete Business Poliy Woring f ny mtter onute y HMRC Speilist Investigtions or onute uner the HMRC Civil Investigtion of Fru or Criminl Investigtions proeures g the efene of ny riminl proseution h ny mtter rising from the filure of the Insure to register for PAYE, VAT, or the Constrution Inustry Sheme or to notify hrgeility in reltion to ny tx within the relevnt time limits i j ny mtter relting to Tx Avoine Sheme ny mtter relting to IR35 legisltion k n HMRC Investigtion rising from the pyment of the Ntionl Minimum Wge. 3 Criminl Proseution Defene The Insure Person hs over for the efene of riminl proseution. Provie tht the riminl proseution rises out of the Business. In respet of Event 3 Criminl Proseution Defene there is no over for: riminl proeeings eing rought ginst the Insure Person for: i fru, theft, money lunering or other ishonesty ii offenes ginst nother person, inluing offenes of sexul nture iii the mnufture, istriution or use of lohol, rugs, ineent or osene mterils iv owning, possessing, hiring or using irrft, wterrft, motor vehiles, trilers or rvns v ny investigtion y HMRC vi pollution ny osts wre ginst the Insure Person y ourt of riminl jurisition. 4 Dmge to Premises The Insure hs over for the pursuit of the legl rights of the Insure in ispute relting to physil mge to the Insure s Premises use y nother person or orgnistion resulting in proven finnil loss to the Insure. Provie tht the Premises re use solely for the Insure s Business. In respet of Event 4 Dmge to Premises there is no over for: e f g h i ny ispute rising from the tul or llege performne of, or filure to perform, in whole or in prt, n tul or llege Contrt etween the Insure n thir prty ny ispute relting to mining or other susiene or heve ny ispute relting to plnning or uiling regultions or eisions ny ispute relting to the renewl of lese or Commeril Tenny Agreement ny ispute over the freehol or lesehol or ommonhol or title of the Premises Ajuition ny ispute with Government or lol uthority eprtments onerning the imposition of rtes or other lol txes ny ispute relting to the ownership, possession, hiring or use of irrft, wterrft, motor vehiles, trilers or rvns the efene of the Insure s legl rights other thn in efening ounter-lim y the other prty to the ispute. 5 Dt Protetion The Insure hs over for: the efene of the legl rights of the Insure in ivil ispute rising out of the Dt Protetion At 1998 n ppel y the Insure ginst refusl of n pplition for registrtion or ltertion of registere prtiulrs n ppel y the Insure ginst ny Enforement, Deregistrtion or Trnsfer Prohiition Notie Dt Protetion Compenstion Awrs. In respet of Event 5 Dt Protetion there is no over for ny ispute or legl proeeing: whih reltes to the proseution of the Insure whih rises from filure to register s Dt Controller whih rises from filure to omply with ny legisltive requirement onerning the proessing of Sensitive Personl Dt. 6 Commeril Tenny Agreement The Insure hs over for the pursuit of the Insure s legl rights in ispute relting to the Insure s Commeril Tenny Agreement. 73

76 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) In respet of Event 6 Commeril Tenny Agreement there is no over for: ny ispute relting to rent or servie hrges, tx, plnning or uiling regultions or eisions e f g ny ispute relting to the renewl of lese or Commeril Tenny Agreement ny ispute rising from n greement the Insure enters into to let the Premises for resientil purposes ny ispute over the freehol or lesehol or ommonhol or title of the Premises Ajuition ny ispute with Government or lol uthority eprtments onerning the imposition of rtes or other lol txes the efene of the Insure s legl rights other thn in efening ounter-lim y the other prty to the Commeril Tenny Agreement. 7 Sttutory Liene Appel The Insure Person hs over to ppel to the relevnt uthority, ourt or triunl following eision me y suh liensing or regultory uthority to suspen, revoke, lter or refuse to renew Sttutory Liene. In respet of Event 7 Sttutory Liene Appel there is no over for: ny ppel rising out of hering tht took ple euse of ommeril eision me y the Insure Person in reltion to the Business e f ny ppel following hering tht the Insure Person knew out, or shoul resonly hve known out, efore this Setion ommenes ny ppel involving Sttutory Liene for whih the Insure Person hs me n ppel in the 12 months efore this Setion ommenes ny isiplinry or internl proeures onute y uthorities hrge with the regultion of the Insure Person in the performne of their norml Business tivities, or for ny ppel following suh proeures the first pplition for, or pplition for the renewl of, the Insure Person s Sttutory Liene ny suspension, revotion, ltertion or refusl to renew Sttutory Liene whih is impose y Ats of Prliment or ntionl or lol government regultion or orer g ny ppel rising out of herings relting in whole or in prt to: i owning, riving or using motor vehile ii rug offenes iii uner ge rinking or uner ge mission to Premises or iv llegtions of sexul or ineent tivities. 8 Pension Trustee Defene The Insure Person hs over for the efene of their legl rights in ivil proeeings rising from the Insure Person s pity s trustee of pension fun set up for the enefit of Employees. 9 Employee s Civil Defene The Insure Person hs over for the efene of their legl rights in ivil proeeings rising from the Insure Person s work s n Employee uner legisltion for unlwful isrimintion on the grouns of sex, sexul orienttion, re, isility, ge, religious elief, politil opinion or ny other isrimintion ientifie y Ats of Prliment. 10Personl Injury The Insure Person hs over for the pursuit of their legl rights following n event whih uses the Insure Person s eth or oily injury. Provie tht the eth or oily injury rises out of the Business In respet of Event 10 Personl Injury there is no over for isputes etween the Insure n the Insure Person. 11Jury Servie Allowne The Insure hs over for Jury Servie Allowne. 12Contrt Disputes Below Smll Clims Limit The Insure hs over for the pursuit or efene of ispute with mnufturer or supplier or ustomer in respet of Contrt. Provie tht: the goos or servies in question re supplie in onnetion with the norml Business tivities of the Insure n the mount in ispute is more thn 250 ut equl to or less thn the Smll Clims Limit n the Clim is her within Smll Clims Court n if the Insure is pursuing nother prty to the Contrt for n mount of money n interest, tht mount is not n Unispute Det. 74

77 Complete Business Poliy Woring In respet of Event 12 Contrt Disputes Below Smll Clims Limit there is no over for: the reovery of ny Unispute Det other thn where the other prty to the Contrt hs inite n intention to efen the Clim n tht prty hs relisti hne of efening the Clim the pursuit or efene of ny Clim rought y or ginst the Insure Person use y or rising from or in reltion to professionl servies, vie or speifition given y the Insure or on ehlf of the Insure Person ny ispute rising from or s onsequene of ny reh or llege reh of professionl uty or ny error or omission in ny vie given y the Insure Person or on ehlf of the Insure Person ny ispute where Clim is rought ginst the Insure use y or rising from the provision of goos or servies y the Insure relting to the onstrution, ltertion or repir of ny uiling, or prt of tht uiling, or struture e ny ispute relting to omputer hrwre, softwre, systems or servies f ny ritrtion unless wholly in orne with the Aritrtion At 1996 g Ajuition h ny ispute in respet of ssignment, ilment, ills of exhnge, reit, insurne, seurities or gurntee i j ny ispute relting to lese, liene or tenny of ln or uilings other thn ispute with professionl viser in onnetion with the rfting of lese, liene or Commeril Tenny Agreement ny ispute relting to the legl right of the Insure to own, oupy or use ny ln or uiling or ny enefit or llege enefit tthing to the ln k ny ispute relting to the ownership, possession, hiring or use of motor vehiles l ny ispute rising out of the mount pyle uner n insurne poliy. Setion Exlusions In ition to the Poliy Exlusions n the exlusions liste uner eh Event, the following pply to ll Events of this Setion: 1 In ition to ny Exess speifie within Events 1 n 3 to 12, further Exess of 500 pplies in respet of Any One Clim where the Insurer grees to the Insure Person s request to ppoint n lterntive Legl Representtive to the one hosen y the Insurer. 2 Legl Expenses, Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne inurre without the Insurer s written Consent. 3 Any Clim whih oes not rise from or relte to the Business, other thn Clim in respet of Jury Servie Allowne. 4 Any Clim in respet of whih the Insure Person is, or ut for the existene of this Setion woul e, entitle to n inemnity or ontriution uner ny other poliy or ertifite of insurne, servie ontrt or memership, exept for ny exess eyon the mount whih woul hve een overe uner suh other poliy, ertifite, servie ontrt or memership. 5 Any Clim in respet of whih the Insure Person is entitle to n inemnity or ontriution uner ny other Setion of this Poliy. 6 Any Clim in respet of whih the Insure Person is entitle to Legl Ai. 7 Any use, event or irumstne ourring prior to or existing t the ineption or on or fter the renewl of this Setion n whih the Insure Person knew, or ought resonly to hve known, my give rise to Clim y or ginst the Insure Person. 8 Any Clim rising out of elierte, onsious, intentionl or rekless t y the Insure Person or where the Insure Person hs shown wilful isregr for the nee to tke ll resonle steps to voi, prevent n limit ny suh Clim. 9 Any Clim me, rought, ommene, ontinue or trnsferre outsie of the Geogrphil Limits. 10 Any Clim where in the Insurer s opinion there re no Resonle Prospets of Stisftory Outome. 11 Fines or other penlties impose y ourt, triunl or regultor, inluing ny osts wre ginst the Insure Person following riminl proeeings. 75

78 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) 12 Any ispute etween the Insure Person n the Insurer. 13 Any ispute etween the Insure Person n the Legl Representtive in respet of Clim uner this Setion, or etween the Insure n the provier of ny Aitionl Servie or telephone helpline ville uner this Setion. 14 Any Clim relting to mge to goos in trnsit or goos lent or hire to thir prties or goos t premises other thn the Premises. 15 Any Clim rising from or relting to the opertion of frnhise or istriution greement. 16 Any ispute etween iniviuls omprising the Insure or with ny susiiry, prent, ssoite or sister ompny or rising from shreholing greement, prtnership greement or trust. 17 Any Clim rising s result of n llegtion of liel or slner. 18 Any Clim relting to ptents, opyrights, tremrks, merhnise mrks, registere esigns or other intelletul property, reh of serey or onfientility, pssing off tion or restritive ovennts, other thn s speifie in Event 1 Breh of Restritive Covennt. 19 Any Clim rising from or relting to n pplition for juiil review or other hllenge to ny legisltion or propose legisltion. 20 Any Clim relting to ny non-ontrting prty s right to enfore ll or ny prt of this Setion. The Contrts (Rights of Thir Prties) At 1999 oes not pply to this Setion. 21 Defening the Insure Person in ny legl proeeings rising from: oily injury, eth, illness or isese (inluing psyhitri injury n stress) or loss, estrution or mge to property or llege or tul reh of ny uty owe s iretor or offier of the Insure, other thn s speifie in Event 8 Pension Trustee Defene. 22 Any VAT tthing to Legl Expenses inurre with the Insurer s Consent whih is reoverle y the Insure Person from elsewhere. Setion Conitions In ition to the Poliy Conitions, the following lso pply to this Setion: A Generl Conitions 1 Chnge of Risk It is onition preeent to the liility of the Insurer to provie over uner this Setion tht the Insure must notify the Insurer in writing of ny ltertion uring the Perio of Insurne whih woul mterilly ffet the Insurers ssessment of the risk n tht prt of this insurne ffete shll ese to e in fore unless suh ltertion is gree in writing y the Insurer. The Insurer shll hve the right to men the premium n the Insure will py n itionl premium to, or reeive refun of premium from, the Insurer s the se my e. 2 Aritrtion Any ispute etween the Insure Person n the Insurer onerning this Setion shll e referre to single ritrtor who will e either soliitor or rrister gree upon y the prties or filing greement one who is nominte y the Presient of the pproprite Lw Soiety or y the Chirmn of the Br Counil or pproprite professionl oy within the Geogrphil Limits. All the osts of the ritrtion shll e met in full y the prty ginst whom the eision is me. If the eision is not lerly me ginst one prty the ritrtor will hve the power to pportion osts. If the eision is me in the Insurer s fvour, the Insure Person s osts will not e reoverle uner this Setion. The eision will e finl n ining upon oth the Insure Person n the Insurer n nnot e the sujet of n ppel. 3 Mintenne of Reors It is onition preeent to the Insurer s liility to provie over uner this Setion tht the Insure hs kept n mintine resonle ooks n reors. Where the Insure is orporte orgnistion suh ooks n reors must hve een kept in orne with the Compnies Ats. 4 Dislosure of the Existene of this Setion The Insure Person or the Legl Representtive must not revel the existene of this Setion unless the Insurer hs given written onsent or is orere to o so y ourt. 5 Assignment This Setion my not e ssigne y the Insure Person or y the Insure Person s exeutors or ministrtors. 76

79 Complete Business Poliy Woring B Clims Proess Conitions 1 Notifition of Clims It is onition preeent to the Insurer s liility to provie over uner this Setion tht the Insurer is notifie in writing y the Insure Person y the ompletion of lim form, or in nother wy onfirme y the Insurer to the Insure Person, immeitely the Insure Person is, or shoul hve een, wre of ny use, event or irumstne whih hs given or my give rise to Clim involving the Insure Person. If the Insure Person fils to notify the Insurer of suh use, event or irumstne uring the Perio of Insurne ny Clim rising from tht use, event or irumstne will not e epte. When suh notifition hs een given, the Insurer grees to tret ny susequent Clim in respet of the use, event or irumstne notifie s though the Clim h een me, rought or ommene uring the Perio of Insurne. Importnt proeure for Employment Disputes If Clim Form (ET1) is reeive from n Employment Triunl the Insure must immeitely omplete lim form n forwr it to the Insurer, to rrive no lter thn 7 ys fter reeipt of the Clim Form (ET1). Response Form (ET3), whih shoul e left lnk, must lso e sent. 2 Consent It is onition preeent to the liility of the Insurer to provie over uner this Setion tht onsent to ept lim n: inur Legl Expenses; n py Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne must first e otine in writing from the Insurer ( Consent ). Consent will e given if the Insure Person n stisfy the Insurer tht: there re Resonle Prospets of Stisftory Outome n in prtiulr se, it is resonle for Legl Expenses to e inurre n/or Clim in respet of Awrs of Compenstion, Dt Protetion Compenstion Awrs, Jury Servie Allowne or Witness Attenne Allowne e epte uner this Setion. In rehing eision on whether or not to give Consent the Insurer will seek the opinion of the Legl Representtive. If the Insurer n the Legl Representtive re unle to gree on whether Resonle Prospets of Stisftory Outome exist, the Insurer will seek the opinion of ny other leglly qulifie visor or other expert pproprite to the Clim they feel it is neessry to onsult in orer to mke their eision. In ll ses the Insure Person will e vise in writing of the grnting or refusl of Consent. 3 Deling with the Clim If the Insurer grnts Consent Legl Representtive will e instrute n will then t in orne with Clims Proess Conition 8. The Insurer my withrw Consent previously given t ny time if fts eome known whih woul men tht prtiulr Clim woul not hve een epte uner the terms of this Setion or if there re no longer Resonle Prospets of Stisftory Outome. Provie there hs een full ompline with the Setion terms the Insurer grees to inemnify the Insure Person in respet of Legl Expenses inurre up to the te when the Insurer notifie the Insure Person tht Consent h een withrwn. If the Insure Person eies to proee with the pursuit or efene of Clim to whih the Insurer hs refuse to give Consent n is susequently suessful the Insurer will py Legl Expenses s if the Insurer h given Consent t the outset. 4 Duty of the Insure Person to Minimise Clims In respet of ny Clim for whih Consent hs een grnte uner the Setion the Insure Person must use est enevours n tke ll resonle mesures to minimise the ost n effet of ny Clim uner this Setion. If the Insure Person fils to omply with this requirement then the Insurer will hve the right to just the Insurer s liility uner this Setion to the extent tht Clim woul hve ost the Insurer h the Insure Person omplie. 5 The Insurer s Right to Settle Clims The Insurer shll hve the right to tke over n onut in the nme of the Insure Person ny Clim t ny time n n settle ny Clim on ehlf of the Insure Person on suh terms s the Insurer eems pproprite. At its solute isretion, the Insurer my eie to settle the Clim y pying the Insure Person the mount of mges lime y, or ginst, the Insure Person inste of inemnifying the Insure Person for Legl Expenses or Awrs of Compenstion, Dt Protetion Compenstion Awrs or Witness Attenne Allowne. Where the Insurer exerises this isretion the Insurer will ese to e lile for ny further Legl Expenses, Awrs of Compenstion, Dt Protetion Compenstion Awrs or Witness Attenne Allowne in respet of tht Clim. 77

80 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) 6 Insolveny of the Insure Person During the ourse of ny Clim to whih the Insurer hs given support, the Insurer hs the right to withrw tht support immeitely if the Insure Person eomes insolvent (or ommits n t of insolveny or nkrupty) or e f enters into liquition or mkes n rrngement with reitors or enters into ee of rrngement or hs prt or ll of their ffirs ssets or property ple in the re or ontrol of reeiver or liquitor or hs n ministrtion orer over their ffirs ssets or property. 7 Appel Proeure If, following legl proeeings to whih the Insurer hs given Consent, the Insure Person wishes to ppel ginst the jugment or eision of ourt or triunl, it is onition preeent to the Insurer's liility to ontinue to provie over uner this Setion tht the grouns of suh ppel must e sumitte to the Insurer in goo time n y seure mens so tht the Insurer my onsier whether there re Resonle Prospets of Stisftory Outome in respet of the ppel n if so whether to Consent to suh further tion. The Insurer will inform the Insure Person n the Legl Representtive of their eision. If the Insurer requires it, the Insure Person will o-operte fully in n ppel ginst the jugment or eision of ourt or triunl. 8. Legl Proeeings Freeom to hoose Legl Representtive For ny Clim where the Insurer my e lile to py Awrs of Compenstion uner Event 1 Employment Disputes n Awrs of Compenstion, or Dt Protetion Compenstion Awrs uner Event 5 Dt Protetion, the Insurer will hoose the Legl Representtive. For ny other Clim the Insurer will hoose the Legl Representtive t ny time efore the Insurer grees tht legl proeeings nee to e issue or efene. The Insure Person n only hoose Legl Representtive if the Insurer grees tht legl proeeings nee to e issue or efene or if onflit of interest rises whih mens tht the Legl Representtive originlly hosen y the Insurer nnot t for the Insure Person. The Insure Person must sen the nme n ress of the Insure Person s hosen Legl Representtive to the Insurer. Other thn where suh onflit of interest hs risen, if the Insurer grees to ppoint Legl Representtive tht the Insure Person hooses, the Insure Person must py 500 Exess. The Insure Person must py the Exess t the strt of the Clim. If the Insurer grees to ppoint Legl Representtive tht the Insure Person hooses, tht Legl Representtive will e ppointe on the sme terms s the Insurer woul hve ppointe its' hosen Legl Representtive. In respet of ny Clim for whih the Insurer hs grnte Consent, the Legl Representtive will e ppointe in the nme of n on ehlf of the Insure Person to t for the Insure Person in orne with the terms of this Setion. In greeing to the seletion of Legl Representtive the Insure Person will omply with Clims Proess Conition 4. The Insurer s liility to provie over uner this Setion will ese immeitely with no liility to inemnify the Insure Person in ny respet unless in its solute isretion the Insurer grees to nother Legl Representtive eing ppointe to ontinue ting for the Insure Person uner the terms of this Setion, if: i ue to ny onut or filure to t y the Insure Person, the Legl Representtive resonly refuses to ontinue ting for the Insure Person or ii the Insure Person unresonly ismisses the Legl Representtive ginst the vie of the Legl Representtive n without the Insurer s greement. Dislosures to the Legl Representtive It is onition preeent to the Insurer's liility to provie over uner this Setion tht the Insure Person must give the Legl Representtive ll possile help n informtion inluing omplete n truthful ount of the fts of the se n ll relevnt oumentry or other eviene in the Insure Person s possession. The Insure Person must provie, otin or exeute ll ouments s neessry n tten meetings or onferenes s requeste. Aess to Informtion The Insurer is entitle to reeive from the Legl Representtive ny informtion, oument or vie in onnetion with ny Clim, even if privilege. On request the Insure Person will give to the Legl Representtive ny instrutions neessry to seure the require ess. 78

81 Complete Business Poliy Woring Oligtions of the Insure Person n Legl Representtive in reltion to ny Clim. It is onition preeent to the Insurer's lility to provie over uner this Setion tht: i The Insure Person n on their ehlf the Legl Representtive immeitely notify the Insurer in writing of ny informtion s soon s it is reeive whih my ffet the Insurer s opinion on the Resonle Prospets of Stisftory Outome of the Clim ii The Insure Person n on their ehlf the Legl Representtive will inform the Insurer in writing s soon s ny offer to settle Clim is reeive or me or n offer of pyment into Court is reeive. The Insure Person or the Legl Representtive will uner no irumstnes enter into ny greement to settle without the Insurer s prior written onsent. If, in the Insurer s opinion, the Insure Person unresonly withhols greement to settle, over uner this Setion will ese immeitely. The Insurer grees to inemnify the Insure Person in respet of Legl Expenses inurre up to the te when over ese iii The Insure Person n on their ehlf the Legl Representtive will report in writing the result of the Clim to the Insurer when it is finishe. f g Instrution of Counsel If, uring the ourse of ny Clim (other thn where Clims Proess Conition 2 pplies), the Insure Person or the Legl Representtive onsiers it neessry n wishes to instrut ounsel, ounsel s nme must first e sumitte to the Insurer for Consent to the propose instrution. Conut of the Clim It is onition preeent to the Insurer s ontinuing liility to provie over uner this Setion tht the Insure Person i oes not withrw from Clim or ismiss the Legl Representtive without the written greement of the Insurer n the Legl Representtive ii o-opertes fully with the Legl Representtive or the Insurer in the onut of the Clim iii follows the vie of the Legl Representtive. If the Insure Person fils to omply with either i, ii or iii then the Insurer s liility to provie over uner this Setion will ese immeitely n the Insurer will not e responsile for the pyment of Legl Expenses, Compenstory Awrs or Dt Protetion Compenstion Awrs n will e entitle to reimursement of ll Legl Expenses lrey inurre in respet of the Clim unless the Insurer grees to ppoint nother Legl Representtive to ontinue the Clim. e Pyment of Legl Representtive s Bills The Insurer shll hve the right to settle Legl Expenses t the onlusion of Clim. The Insure Person shoul forwr ll ills whih re reeive from the Legl Representtive relting to the Clim to the Insurer without ely following onlusion of the Clim. If the Insurer requires, the Insure Person must sk the Legl Representtive to sumit the ill of osts for uit or ssessment y the pproprite ourt or, t the isretion of the Insurer, lw osts rughtsmn or other ompetent prty. The Insurer will only py Legl Expenses tht re etermine s resonle y the uit or ssessment. The Insure Person is responsile for the pyment of ll Legl Expenses. The Insurer my settle these iret if requeste y the Insure Person to o so. The pyment of some Legl Expenses oes not imply tht ll Legl Expenses will e pi. The Insure Person must not, without the Insurer s written onsent, enter into ny greement with the Legl Representtive s to the sis of lultion of Legl Expenses. h i Awr of Costs Where the Insure Person is wre osts, it is onition preeent to the Insurer's liility to provie over uner this Setion tht the Insure Person n the Legl Representtive must tke every resonle step to reover Legl Expenses whih woul e or hve een sujet to pyment uner this Setion. All suh reoveries will e tken into ount when lulting the Insurer s liility uner this Setion. Alterntive Dispute Resolution When, in the Insurer s opinion, lterntive ispute resolution woul pper to provie more effetive metho of resolving ny Clim, the Insurer my request tht the Insure Person grees to sumit suh Clim to professionl ispute resolution servie, to e selete y the Insurer. In onsiering lterntive ispute resolution the Insure Person will omply with Clims Proess Conition 4 n will not therefore unresonly withhol Consent. 79

82 Complete Business Poliy Woring Setion 9 Commeril Legl Expenses (ontinue) Communitions All noties n ommunitions from the Insurer or the Insurer s representtives to the Insure Person will e eeme to hve een uly sent if sent to the Insure Person s lst known ress or, in reltion to ny mtters rising out of ny Clim, if sent to the Legl Representtive. All noties n ommunition from the Insure Person to the Insurer shoul e sent to: Allinz Legl Protetion 2530 The Qurnt Azte West Almonsury Bristol BS32 4AW Unite Kingom Telephone: Emil: [email protected] Aitionl Servies In ition to the inemnity provie y the Insurer in respet of Events 1 to 12, two further servies re ville to the Insure uner this Setion. The Insure my ess these servies t ny time uring the Perio of Insurne, lthough the Insurer will not e lile to provie ny inemnity in respet of legl osts or other expenses inurre y the Insure s result of using either servie. 1 Commeril Litigtor Servie - Contrt Disputes ove the Smll Clims Limit in Gret Britin If the Insure is involve in ispute rising out of Contrt (inluing ispute over professionl negligene in the elivery of servies to the Insure) n wishes to pursue legl tion ginst nother prty to tht Contrt, the Insure hs ess to free legl vie to etermine the merits of tking tht tion. This servie oes not pply to isputes rising out of, or relting to: Liel or slner Det reovery Employment ontrts, prtnerships or shreholings Property (inluing intelletul property) Txtion, inheritne or trusts Insurne ontrts To mke use of this servie, the Insure shoul ownlo Litigtion Assessment Form from: ommeril-litigtor.html This form shoul e omplete y the Insure n sent to the Insurer t: The Unerwriting Deprtment Allinz Legl Protetion 2530 The Qurnt Azte West Almonsury Bristol BS32 4AW Telephone: Fx: Emil: [email protected] If the Insure is unle to ownlo Litigtion Assessment Form, the Insure shoul ontt the Insurer using the etils ove. The Litigtion Assessment Form will provie the Insure with hoie of Legl Representtive to vise on the merits of tking legl tion where the ispute will e pursue in Engln or Wles. If no hoie is me y the Insure, or for ll isputes tht will e pursue in Sotln, the Insurer will hoose the Legl Representtive. The Legl Representtive will provie the Insure with written ssessment on the merits of pursuing the legl tion. There will e no ost to the Insure for this written ssessment provie tht: the legl tion flls outsie of the jurisition of the Smll Clims Court n will e eie y ourt within Gret Britin n the ssessment requires no more thn 7 hours of work from the Legl Representtive n the Legl Representtive oes not nee to inur ny expenses or other isursements in orer to proue the ssessment n the Insure hs not previously reeive legl opinion or tken ny legl tion in respet of the ispute. If the Legl Representtive nees to rry out more thn 7 hours of work or nees to inur expenses or other isursements in orer to provie the Insure with the ssessment, these osts will e pyle y the Insure to the Legl Representtive. The osts will e onfirme to, n gree with, the Insure efore the Legl Representtive ontinues with the proution of the ssessment. If the Legl Representtive n the Insurer gree tht the Insure hs resonle prospets of suessfully pursuing the ispute, the Insure will e given n option to enter into legl tion ginst 80

83 Complete Business Poliy Woring the other prty to the Contrt. This legl tion will e onute uner seprte greement etween the Insure n the Legl Representtive In onjuntion with tht seprte greement, the Insure will e offere Commeril Litigtor After the Event Insurne Poliy to over: isursements tht the Insure inurs in pursuing the ispute n legl osts n expenses inurre y the Insure s opponent if they re wre ginst the Insure in the event tht the Insure is unsuessful in the legl tion. A opy of the Commeril Litigtor After the Event poliy woring n poliy summry re ville from the Insurer on request, n will lso e provie to the Insure if the Insure tkes out the over. 2 Unispute Det Reovery Servie The Insure hs ess to the Det Reovery Servie if the Insure hs n Unispute Det of t lest 250 n the legl tion to reover tht Unispute Det n e rought within Gret Britin. The Unispute Det shoul e referre to the Det Reovery Servie s soon s possile fter the mount eomes ue n pyle. The Det Reovery Servie is provie y n orgnistion tht speilises in the reovery of ets. The orgnistion proviing the Det Reovery Servie is not prt of the Insurer n oes not t on the Insurer s ehlf. For Unispute Dets tht re pursue in Engln or Wles, tht orgnistion will e DWF LLP, of 5 St Pul s Squre, Ol Hll Street, Liverpool L3 9AE. For Unispute Dets tht re pursue in Sotln, the servie will e provie y HBJ Clim Solutions soliitors, of 247 West George Street, Glsgow, Lnrkshire G2 4QE. fee eing pyle y the Insure to the Det Reovery Servie. The fee will e perentge of the Unispute Det. The level of the fee, n the time t whih it will e pyle y the Insure, will e onfirme to the Insure y the Det Reovery Servie when the Det Reovery Servie is initilly ontte. There my e itionl expenses tht re neessrily inurre y the Det Reovery Servie to reover the Unispute Det. These will lso e pyle y the Insure n will e onfirme y the Det Reovery Servie to the Insure t the pproprite time. This Setion oes not over the fee hrge y the Det Reovery Servie or ny expenses inurre in reovering the Unispute Det. If, in the view of the Det Reovery Servie n the Insurer, the other prty to the Contrt sumits vile efene in respet of the Unispute Det the Insure must report the mtter s Clim uner Event 12 Contrt Disputes Below Smll Clims Limit if the mount in ispute is less thn or equl to the Smll Clims Limit. The pursuit of the et will then e hnle in orne with the terms n onitions of this Setion or if the mount in ispute is ove the Smll Clims Limit, the Insure will hve the option of using the Aitionl Servie 1 esrie ove to otin n ssessment on whether Resonle Prospets of Stisftory Outome exist to pursue legl tion ginst the other prty to the Contrt. When the Insure nees to ontt the Det Reovery Servie the Insure shoul ll the numer elow, whih reltes to the ountry in whih the Unispute Det will e pursue. The Insure shoul quote Allinz Unispute Det Reovery Servie n the Mster Poliy referene ontine within the Poliy Sheule. Dets pursue in Engln or Wles Dets pursue in Sotln The telephone lines re open etween the hours of 9.00m n 5.00pm, Mony to Friy (exluing Puli Holiys). Use of the Det Reovery Servie y the Insure my e sujet to 81

84 Complete Business Poliy Woring Setion 10 Personl Aient Definitions Aientl Boily Injury Boily injury use y: 1 ientl violent externl n visile mens 2 unvoile exposure to the elements. Airrft Aumultion Limit The Insurer s mximum liility in totl uner this n ny other group personl ient n/or usiness trvel poliies issue or to e issue y the Insurer to the Insure for ll Losses involving ny Sheule Air Trnsport s shown in the Sheule. Annul Slry The nnulise gross slry (exluing onus pyments) pyle per nnum y the Insure to the Insure Person s t the te of ourrene of the ient giving rise to Aientl Boily Injury. Assoite Illness Sikness or isese (exept ny psyhologil onition or isorer) tht results iretly from the Insure Person sustining Aientl Boily Injury tht woul not otherwise hve risen n h not previously risen. Benefit The sum or sums of money tht the Insurer hs gree to py the Insure or, s pplile, the Insure Person s shown in the Sheule. Business of the Insure The Business of the Insure s shown in the Sheule. Cpitl Sum Benefit A Benefit tht is not pyle t weekly rte. Contmintion Contmintion or poisoning of people y nuler n/or hemil n/or iologil sustnes tht use illness n/or islement n/or Deth. Contmintion y Terrorism Aumultion Limit The Insurer s mximum liility in totl uner this n ny other group personl ient, usiness trvel n sikness poliies issue or to e issue y the Insurer to the Insure in respet of ny one Loss involving Contmintion y Terrorism s shown in the Sheule. Deth Deth use y Aientl Boily Injury. Employee Any employee of the Insure or ny other person ting in the pity of n employee whilst working for the Insure in onnetion with the Business of the Insure. Event Aumultion Limit The Insurer s mximum liility in totl uner this n ny other group personl ient n/or usiness trvel n/or sikness poliies issue or to e issue y the Insurer to the Insure for ll Losses not involving ir trvel s shown in the Sheule. Exess Perio The first perio of Temporry Totl Dislement or Temporry Prtil Dislement for whih no Benefit is pyle s shown in the Sheule. Illness Any isese, meil omplint or meil onition whih is not Aientl Boily Injury. Insure Person Those persons speifie in the Sheule s eing Insure Persons. Loss A loss or series of losses rising out of or onsequent upon or ontriute to iretly or iniretly y one originting event. Loss of Hering Totl n permnent loss of hering in one or oth ers tht in the opinion of n inepenent qulifie meil referee eptle to the Insurer is never going to improve. Loss of Internl Orgn Totl n permnent: 1 loss y removl or 2 effetive loss of use of one lung or one kiney, the spleen or the liver. 82

85 Complete Business Poliy Woring Loss of Lim Totl n permnent loss 1 y physil seprtion or 2 of use of hn, t or ove the wrist or foot t or ove the nkle. Loss of Sight Totl n permnent loss of sight whih will e onsiere s hving ourre: 1 in oth eyes if the Insure Person s nme hs een e to the Register of Blin Persons mintine y the government on the uthority of fully qulifie ophthlmi speilist or 2 in one eye, if the egree of sight remining fter orretion is 3/60 or less on the Snellen Sle. Loss of Speeh Totl n permnent loss of the ility to spek or ommunite verlly Opertive Times of Cover The time n irumstnes when over uner this Poliy is effetive within the Perio of Insurne shown in the Sheule. Permnent Totl Dislement Any permnent islement other thn 1 Loss of Sight 2 Loss of Hering 3 Loss of Lim 4 Loss of Internl Orgn 5 Loss of Speeh whih hving lste without interruption for t lest 12 months, hs no resonle prospet of improving, n in the opinion of n inepenent qulifie meil referee eptle to the Insurer, will in ll proility permnently, ompletely n ontinuously prevent the Insure Person from engging in or giving ttention to: their Usul Ouption if in ginful employment Mximum Benefit The mximum mount of Benefit pyle, s shown in the Sle(s) of Compenstion in the Sheule. Mximum Benefit Perio The mximum length of time for whih Benefit is pyle fter the Exess Perio hs expire s shown in the Sheule. usiness profession or ouption of eh n every kin if the Insure Person is not in ginful employment usiness shooling profession or ouption of eh n every kin if the Insure Person is uner 16 yers of ge or uner 18 yers of ge n in full time eution for the reminer of their life. Non-Sheule Air Aumultion Limit The Insurer s mximum liility in totl uner this n ny other group personl ient n/or usiness trvel poliies issue or to e issue y the Insurer to the Insure for ll Losses involving ir trvel other thn Sheule Air Trnsport s shown in the Sheule. Ouptionl 1 While n Insure Person is rrying out their ouptionl uties for the Insure or while trvelling etween: n Insure Person s ple of resiene n ple of work etween ples of work where the trvel is t the expense of the Insure. 2 At ny time where Aientl Boily Injury is the iret result of n unprovoke physil ssult y nother person. Permnent Prtil Dislement Mens Loss of Sight, Loss of Hering, Loss of Speeh, Loss of Lim, Loss of Internl Orgn. Sle(s) of Compenstion The sle of Benefits s shown in the Sheule. Sheule Air Trnsport A registere fixe wing irrft whih flies from n interntionlly reognise irport on pulishe sheule n whih hs more thn 18 sets. Temporry Prtil Dislement Dislement tht ompletely prevents the Insure Person from performing more thn 50% of the funtions of their Usul Ouption. Temporry Totl Dislement Dislement whih ompletely prevents the Insure Person from performing eh n every funtion of their Usul Ouption. 83

86 Complete Business Poliy Woring Setion 10 Personl Aient (ontinue) Terrorism An t of Terrorism mens n t inluing ut not limite to the use of fore or violene n/or the thret thereof of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s) ommitte for politil, religious, ieologil, ethni or similr purposes or resons inluing the intention to influene ny government n/or to put the puli or ny setion of the puli in fer. Unite Kingom Engln, Sotln, Wles, Northern Ireln, the Isle of Mn n the Chnnel Islns. Usul Ouption The tsks, uties n other funtions, whih the Insure normlly pys the Insure Person to perform in onnetion with the Business of the Insure. Wr Invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power. Weekly Benefit The mount shown in the Sheule tht the Insurer will py to the Insure for eh omplete working week, uring ny perio of Temporry Totl Dislement or Temporry Prtil Dislement of n Insure Person. Weekly Wge The gross si weekly mount (or in the se of slrie employees 1/52n of the Annul Slry) normlly pi (exluing onus pyments) y the Insure to the Insure Person s t the te of ourrene of the ient giving rise to Aientl Boily Injury for their Usul Ouption. Cover The Insurer will py the Insure ompenstion in orne with the Sle(s) of Compenstion speifie in the Sheule if ny Insure Person suffers Aientl Boily Injury uring the Perio of Insurne n Opertive Time of Cover whih, within 12 months thereof solely, iretly n inepenently of ny other use results in the: 1 Deth 2 Permnent Totl Dislement 3 Permnent Prtil Dislement 4 Temporry Totl Dislement 5 Temporry Prtil Dislement of n Insure Person. Setion Exlusions Poliy Exlusions 3, 5 n 11 pply to this Setion n in ition it oes not over: Any lim rising out of or onsequent upon or ontriute to iretly or iniretly y: 1 ny Insure Person ommitting riminl t or tking prt or whilst engge in ivil ommotions or riots of ny kin. 2 n Insure Person e f g h i j k tking illegl rugs or tking non-presrie rugs for reretionl purposes or tking rugs presrie for the Insure Person s own rug ition or loholism serving in the Arme Fores of ny Ntion or Interntionl Authority ommitting suiie, ttempte suiie or intentionl selfinjury engging in ir trvel s irrft rew of ny kin rrying out ny tre or tehnil opertion whilst n irrft is in flight motor yling (other thn in respet of mopes or sooters up to 50) hunting engging in winter sports other thn urling or skting mountineering or rok liming (neessitting the use of ropes or guies) engging in rme or unrme omt sports, pot holing, skin-iving or other hzrous tivity riing or riving in ny kin of re or enurne test (or prtie therefore) ny ginful ouption outsie the Business of the Insure speifie in the Poliy. 3 wr (whether elre or not): etween ny of the Mjor Powers (speifilly Chin, Frne, the Unite Kingom, ny of the former memer sttes of the Soviet Union n the Unite Sttes of Ameri) n/or within Europe in whih ny of suh Mjor Powers or their rme fores re involve or ny enforement tion within Europe y or on ehlf of the Unite Ntions. 84

87 Complete Business Poliy Woring 4 ionising ritions riotive ontmintion or rition of ny kin inluing the riotive, toxi or other hzrous properties of ny explosive nuler ssemly or nuler omponent thereof. 5 pregnny or hilirth 6 sexully trnsmitte iseses inluing HIV (Humn Immunoefiieny Virus) n/or ny HIV relte illness inluing AIDS (Aquire Immune Defiieny Synrome) n/or ny mutnt erivtive or vritions thereof however use 7 the following Exlusion pplies to ny Loss in exess of the Contmintion y Terrorism Aumultion Limit shown in the Sheule. Clims re not pyle s result of ny event iretly or iniretly rising out of Contmintion ue to ny t of Terrorism regrless of ny other use or ny other event ontriuting t the sme time or in ny other sequene to suh event. If the Insurer lleges tht y reson of this exlusion ny loss mge ost or expense is not overe the uren of proving the ontrry shll e upon the Insure or Insure Person, s pplile. 8 trvel to ountry or re tht the Foreign Offie Trvel Avie Unit hs vise ginst ll trvel unless gree in writing y the Insurer. 9 ny lim in exess of: 100,000 the Event Aumultion Limit, Non-sheule Air Aumultion Limit, Airrft Aumultion Limit Contmintion y Terrorism Aumultion Limit whihever shll e the lower. 10 ny lim in respet of: ny Benefit uring the Exess Perio sikness or isese (with the exeption of Assoite Illness) 11 n Insure Person eing ffete y lohol where the lohol level is greter thn 80 milligrms per 100 millilitre of loo. Setion Conitions The Poliy Conitions pply to this Setion with the exeption of Poliy Conitions 2 4, 6 9, 15, 16 n 22. In ition the following Conitions pply to this Setion: 1 Misrepresenttion of Fts Relevnt to n Insure Person If the Insure fils to omply with Poliy Conition 2 (Fir Presenttion of the Risk), the Insurer will not invoke ny of the remeies ville to it uner tht Conition s ginst the Insure, if the filure onerns only fts or informtion whih relte to prtiulr Insure Person or Insure Persons. In tht se, provie tht the Insure Person onerne or the Insure on their ehlf me reless misrepresenttion of fts, the Insurer my invoke the remeies ville to it uner Poliy Conition 2 (Fir Presenttion of the Risk) s ginst tht Insure Person only, s if seprte insurne ontrt h een issue to suh person, leving the reminer of the Poliy unffete. 2 Pyment of Premium The Insure must py to the Insurer ll premiums ue to the Insurer together with ll txes ue on the premiums. If the Insurer grees to ept pyment of premiums y instlments n pyment of ny instlment is not me on ue te for whtever reson the full outstning lne shll eome pyle immeitely. If the Insure then fils to py suh mount within 7 ys of the Insurer giving notie to the Insure of the efult in pyment the Insurer my nel this Poliy y giving 7 ys notie in writing to the Insure. 3 Assignment The Insure n the Insure Person must not ssign ny of the enefits uner this Setion. The Insurer will not e oun to ept or e ffete y ny notie of trust, hrge, lien or purporte ssignment or other eling with or relting to this Setion. 4 Cnelltion Wr Risks The Insurer my nel over uner this Setion in respet of Wr risks t ny time n t its isretion y sening 7 ys notie y reore elivery post to the Insure t the Insure s lst known ress. 5 Benefit Limits The Insurer will not py more thn the Mximum Benefit for Benefits 1 to 6 or ny other Sum Insure s shown in the Sheule for ny one Insure Person. 85

88 Complete Business Poliy Woring Setion 10 Personl Aient (ontinue) e The Mximum Benefit pyle in respet of Deth of n Insure Person uner 16 yers of ge or uner 18 yers of ge n in full time eution shll not exee 10,000 or the Benefit stte in the Sheule whihever is the lower. The mximum Weekly Benefit pyle for Temporry Totl Dislement will not exee 100% of the Insure Person s norml Weekly Wge. Temporry Prtil Dislement will not exee 50% of the Insure Person s norml Weekly Wge. It is the uty of the Insure to inform the Insurer if ny lim pyment oes exee these limits. Pyment will e proportiontely reue until these limits re not exeee. Pyment y the Insurer to the Insure of ny Weekly Benefit oes not prejuie the Insure s entitlement to ny other Benefit ut pyment of Weekly Benefits will ese if the Insurer pys ny of the Cpitl Sum Benefits n the Insurer will not e lile to py ny further Benefits in respet of the sme Insure Person for the sme Loss. The Sheule shows the Weekly Benefit pyle to the Insure for eh omplete working week of Temporry Totl Dislement or Temporry Prtil Dislement. Pyment for ny inomplete working week will e lulte s proportion of the Weekly Benefit shown in the Sheule equivlent to the numer of ys of islement ompre to the numer of ys whih the Insure normlly pys the Insure Person to work in norml week. f The Insurer will not py more thn one of the Benefits 1 to 6 shown in the Tle of Sums Insure in respet of ny one Insure Person for injuries Arising from the sme Loss. g The Insurer will not py more thn one of Benefits 1, 7 n 8 shown in the Sle(s) of Compenstion in respet of ny one Insure Person for the sme Loss. h The Insurer will not py more thn one of Benefits 7 n 8 shown in the Sle(s) of Compenstion for n ient rising from seprte originting Losses onurrently. 6 Dispperne Deth of ny Insure Person shll not e presume y reson of their ispperne. If fter resonle perio of time hs elpse the Insurer hving exmine ll the eviene ville hs no reson to suppose other thn tht the Insure Person hs sustine n ient uring the Opertive Time of Cover resulting in their Deth, the ispperne of suh Insure Person shll e eeme to onstitute Deth y ient for the purposes of this Poliy. In the event of the Insure Person s re-pperne fter pyment of ompenstion uner Benefit 1 in the Sle(s) of Compenstion the enefiiry thereof will repy suh ompenstion to the Insurer unless prote hs een grnte or legl eviene of the presumption of Deth hs een supplie to the Insurer. 7 Clims onitions No lim will e pi unless the Insure n where pplile the Insure Person omplies stritly with these onitions: The Insure or Insure Person must give notie to the Insurer s soon s possile n in ny event within 30 ys fter the hppening of ny loss mge or ourrene whih my result in lim uner this Poliy. The Insure or Insure Person must provie the Insurer with ll informtion n eviene whih the Insurer my resonly require t no ost to the Insurer. The Insure or Insure Person must t the Insurer s request provie meil exmintion report in respet of ny Aientl Boily Injury where the Insure requires the Insurer to onsier lim uner this Poliy for whih the Insurer will py the ost of the meil exmintion fee. The Insure must ensure tht s soon s possile fter the ourrene of ny Aientl Boily Injury the Insure Person otins n follows the vie of registere meil prtitioner. The Insurer will not e lile for ny oily injury or meil onition whih is worsene or prolonge or ny other onsequenes whih rise s result of the Insure Person s filure to otin n follow suh vie n to use suh tretment remeies or pplines s my e presrie. e In the event of the Deth of n Insure Person the Insurer will e entitle to hve post-mortem exmintion rrie out t its expense. 86

89 Complete Business Poliy Woring f For the Insure to lim for Weekly Benefits uner this Poliy the Insure Person must hve no other weekly enefits insurne in fore exept s elre to n epte y the Insurer uring the Perio of Insurne. 8 Aumultion Limits The Insurer s mximum liility for ll epte lims in totl in respet of ll Insure Persons involve in the sme Loss shll not exee the Airrft Aumultion Limit, Event Aumultion Limit, Non-sheule Air Aumultion Limit or Contmintion y Terrorism Aumultion Limit s pplile. Where the totl of ll iniviul lims exees the limit pplile the iniviul lims shll e reue proportiontely until the totl of ll iniviul lims oes not exee the limit pplile in the Sheule. 9 Age Limittion Unless otherwise gree y the Insurer n speifilly note in this Setion no person ge 75 or over t ommenement of the Perio of Insurne will e overe y this Setion. 10 Fruulent Clims If ny fru to whih Poliy Conition 7 (Fru) reltes is perpetrte y or on ehlf of n Insure Person (n not on ehlf of the Insure), Poliy Conition 7 (Fru) shoul e re s if it pplies only to tht Insure Person's lim n referenes to the Poliy shoul e re s if they were referenes to the over effete for tht person lone n not to the Poliy s whole. 87

90 Complete Business Poliy Woring Setion 11 Theft y Employee Definitions Ating in Collusion All irumstnes where 2 or more Employees re onerne or implite together or mterilly ssist eh other in ommitting the ts of Theft. Dte of Aeptne 1 the ommenement te of the first Perio of Insurne or 2 the te on whih the Employee enters into ontrt of servie or pprentieship with the Insure whihever is the ltest. Employee Any person 1 uner ontrt of servie or pprentieship with the Insure or 2 unergoing trining uner ny Government pprove trining sheme uner the ontrol of the Insure in onnetion with the Business whilst in the servie of the Insure 3 normlly resient in the Territoril Limits 4 who is iretor of the Insure if suh person is lso employe y the Insure uner ontrt of servie n ontrols no more thn 5% of the issue shre pitl of the Insure ompny or of ny susiiry of the Insure ompny 5 who is retire from full-time employment with the Insure who is working for the Insure s onsultnt uner the ontrol or iretion of the Insure. One Clim All ts of Theft throughout the ontinution of this insurne (or ny insurne issue in sustitution therefore or for whih this insurne is sustitute) ommitte y one iniviul Employee or y 2 or more Employees Ating in Collusion. Cover The Insurer will py the Insure for iret loss of Money or goos elonging to the Insure or for whih they re leglly responsile use y ny t of Theft ommitte uring the ontinution of this Setion y ny Employee esrie in the Sheule uner this Setion n isovere no lter thn 24 months fter 1 the termintion of this Setion 2 the termintion of the insurne in respet of ny Employee whihever ours first. Bsis of Settlement The mount pyle y the Insurer s inemnity to the Insure shll e the vlue of the Money or the goos t the time of the loss or t the Insurer s option the replement or reinsttement of suh goos. Limit of Inemnity The liility of the Insurer uner this Setion 1 in respet of ny One Clim use y one Employee shll not exee the Limit of Inemnity stte in the Sheule pplile to tht Employee use y 2 or more Employees Ating in Collusion shll not exee the greter of the iniviul Limits of Inemnity stte in the Sheule pplile to the Employees involve irrespetive of the numer of Perios of Insurne uring whih the insurne y this Setion (n ny insurne issue in sustitution therefor) shll remin in fore shll not exee the Limit of Inemnity stte in the Sheule 2 in respet of ny one Perio of Insurne shll not exee the Aggregte Limit of Inemnity stte in the Sheule. Territoril Limits Gret Britin, Northern Ireln, the Chnnel Islns n the Isle of Mn. Theft Any t of fru or ishonesty y ny Employee ommitte with the ler intent of otining n improper finnil gin for themselves or for ny other person or orgnistion intene y the Employee to reeive suh gin other thn slries, fees, ommission or other employee enefit erne in the norml ourse of employment. 88

91 Complete Business Poliy Woring Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) 1 Auitors Fees n Rewriting of System Reors As iret result of loss of Money or goos resulting in vli lim uner this Setion the Insurer will lso py for Setion Exlusions The Poliy Exlusions 2, 3, 7 n 9 o not pply to this Setion. In ition this Setion oes not over the following: 1 loss of interest or onsequentil loss of ny kin. 2 loss use y ny t of ny Employee ommitte prior to the Dte of Aeptne pplile to tht Employee. uitors fees inurre with the Insurer s written onsent solely to sustntite the mount of the lim the resonle ost of rewriting or mening the softwre, progrms or systems where suh rewriting or mening is neessry to orret the progrms or men the seurity oes following the fruulent use of omputer hrwre or softwre progrms or omputer systems the sujet of lim for whih liility is mitte uner this Setion 3 loss where the Insure ontinues to entrust the efulting Employee with money or goos fter eoming wre of ny mteril ft ering on the honesty of the si Employee. 4 if there is ny hnge in the nture of the Business unless suh hnge is gree y the Insurer in writing. 5 ny unexpline shortges. 6 the Exess. provie tht the totl liility of the Insurer inluing ny mount pyle uner the provisions of this Extension shll not exee the Limit of Inemnity. 2 Previous Insurne If this insurne immeitely supersees fielity insurne effete y the Insure (the Supersee Insurne ) the Insurer will inemnify the Insure in respet of ny loss isovere uring the ontinution of this insurne ut ommitte uring the ontinution of the Supersee Insurne if the loss is not reoverle thereuner solely euse the perio llowe for isovery hs expire Provie tht suh insurne h een ontinuously in fore from the time of the loss until ineption of this Setion the loss woul hve een insure y this insurne h it een in fore t the time of the loss the liility of the Insurer shll not exee i the mount reoverle uner the insurne in fore t the time of the loss or ii the Limit of Inemnity uner this insurne Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Cesstion of Cover Immeitely following the isovery y the Insure of ny t of Theft y n Employee ll liility for further ts of Theft y tht Employee shll ese. 2 Clims (Ation y the Insure) On the isovery of ny t whih my give rise to lim the Insure shll notify the Insurer immeitely notify the polie uthority immeitely n tke ll prtil steps to isover ny guilty person n to tre n reover the money n goos rry out n permit to e tken ny tion whih my e resonly prtile to prevent further loss whihever is the less In ny event the totl liility of the Insurer in respet of ny one lim ontinuing through oth the term of the Supersee Insurne n the ontinution of this insurne shll not exee the Limit of Inemnity pplile uner this Setion. 89

92 Complete Business Poliy Woring Setion 11 Theft y Employee (ontinue) eliver to the Insurer t their own expense within 30 ys fter suh t, or suh further time s the Insurer my llow: i full informtion in writing of the Money or goos lost n of the mount of the loss ii etils of ny other insurnes on ny Money or goos herey insure iii ll suh proofs n informtion relting to the lim s my e resonly require iv if emne sttutory elrtion of the truth of the lim n of ny mtters onnete with it. No lim uner this Setion shll e pyle unless the terms of this Setion onition hve een omplie with. 3 Non Contriution If t the time of loss of Money or goos for whih the Insure is leglly responsile or t the time lim rises for Money or goos for whih the Insure is leglly responsile the Insure is, or woul ut for the existene of this insurne, e entitle to inemnity uner ny other insurne or to reover uner ny gurntee or inemnity fun the Insurer shll not e lile exept in respet of ny exess eyon the mount whih woul hve een pyle uner suh other insurne, gurntee or fun h this insurne not een effete. 4 Employee s Money Any Money of the Employee in the Insure s hns upon isovering of ny loss n ny Money whih ut for the Employee s theft woul hve een ue to the Employee from the Insure shll e eute from the mount of the loss efore lim is me uner this insurne. 5 Reoveries of further monies Any reoveries effete y the Insure less ny osts inurre in reovery shll rue in the event tht the Insure s lim hs exeee the Limit of Inemnity firstly to the enefit of the Insure to reue or extinguish the mount of the Insure s loss (ut not in respet of the mount of the Exess) therefter to the enefit of the Insurer to the extent of the lim pi or pyle finlly to the enefit of the Insure where Exess h een eute from the lim. 6 Minimum Stnrs of Control It is onition preeent to liility tht the Insure must omply with the Minimum Stnrs of Control elow All Employees must e instrute s to their uties n responsiilities in respet of the Minimum Stnrs of Control n ompline enfore Money i Csh Reeipts - Employees re require to py in ily ll sh n heques reeive in the ourse of the Business. Money reeive must e pi over to the employer or nke. ii Csh n Petty Csh - sh in hn n petty sh must e heke inepenently of Employees responsile t lest monthly n itionlly without wrning every 6 months. iii Reonilition - nk sttements stmpe nk pying slips reeipts ounterfoils n vouhers must e heke t lest monthly ginst sh ook entries n the lne teste with sh n unpresente heques. This must e one inepenently of the Employee 1 mking the sh ook entries 2 signing heques 3 pying into the nk. iv Cheques signing - ll heques or other nk instruments rwn for more thn 10,000 must e mnully signe y 2 uthorise persons fter the mount hs een inserte n the Insure must hve vise their nkers oringly. v No heque or instrument must e signe until one signtory hs vlite the requisition exmine the supporting oumenttion n ensure the pyee is genuine lient or reitor. vi Wges - wges n slry sheets must e heke inepenently of the Employees responsile for their preprtion to ensure tht the mounts re orret n tht no fititious nmes hve een inlue Stok Stoktking - there must e physil hek on ll stok n mterils hel ginst verifie stok reors inepenently of Employees responsile t intervls of not more thn 12 months 90

93 Complete Business Poliy Woring Computer Seurity i All omputer opertions n seurity preutions must hve een vette y professionl uitors n ny reommentions me fully omplie with. ii All Employees with ess to wge ounts or stok ontrol funtions must hve seure iniviul psswor to ess the system whih must e hnge t lest every 6 months. iii All omputer mei (is tpes et) in respet of wges ounts or stok ontrol must e seurely store in loke inets when not in use y uthorise Employees. g Termintion of Servie Upon the termintion of servie of ny Employee the Insure shll tke ll resonle preutions to prevent loss s insure y this Setion, inluing ut not limite to: i the hnging of ll lrm n other seurity oes or psswors the Employee h or my hve h knowlege of ii the eletion or invlition of ny ess oes or psswors the Employee hs to ess omputer or other systems. e Auitors The ounts of the Insure, inluing ll susiiry ompnies, must e exmine y externl uitors every 12 months. All reommentions or lterntive eptle to the uitors must e implemente without ely. f Referenes The Insure must otin stisftory referenes to onfirm the honesty of eh Employee who will e responsile for Money, goos, ounts, omputer opertions or omputer progrmming. Suh referenes must e otine iretly from former employers for the 3 yers immeitely preeing enggement n efore the Employee is entruste without supervision. Any gps in servie must e ounte for. Referenes nee not e otine in respet of Employees who hve stisftorily n ontinuously serve the Insure for t lest three 3 in nother pity efore eing entruste with the uties referre to ove. In respet of Employees joining iretly from Shool or Government sponsore youth trining shemes one hrter referene shll e otine. A written report of ny verl referene shll e me t the time it is otine. The originl opy of eh written referene n the reor of ny verl referene shll e retine y the Insure n shll e me ville for inspetion y the Insurer upon request. 91

94 Complete Business Poliy Woring Setion 12 Terrorism Definitions At of Terrorism Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities irete towrs the overthrowing or influening, y fore or violene, of Her Mjesty's government in the Unite Kingom or ny other government e jure or e fto. Event All iniviul losses rising in respet of ontinuous perio of 72 hours of whih the proximte use is the sme At of Terrorism. The te n time tht ny suh perio of 72 hours shll ommene shll e set y the Insurer. Territoril Limits Engln n Wles n Sotln ut not the territoril ses jent thereto s efine y the Territoril Ses At Note 1. Note 2. This shll inlue the Chnnel Tunnel up to the frontier with the Repuli of Frne, s set out y the Trety of Cnterury. For the voine of out, this exlues Northern Ireln, the Isle of Mn n the Chnnel Islns. Generl Cover Poliy 1 This Poliy or 2 where the Cover y this Poliy is limite to the Terrorism lnsurne Setion only, the poliy or poliies speifie in the Terrorism Setion of the Sheule to this Poliy. Property lnsure Property s etile in the Sheule to ny Generl Cover Poliy ut exluing 1 property insure uner e Mrine, Avition or Trnsit poliy Motor lnsurne poliy (other thn Motor Tre poliy) Ro Risks Setion of Motor Tre poliy reinsurne poliy or greement Bnkers Blnket Bon whether suh poliy or greement inlues over for n At of Terrorism or not 2 ny ln or uiling whih is insure in the nme of n iniviul n is oupie y tht iniviul for resientil purposes, unless insure uner the sme poliy s the reminer of the ln or uiling whih is not privte resiene the property is lok of flts n/or privte welling house n the Insure is trustee or oy of trustees or sole trer Note 1. Note 2. Trustees n sole trers re not eeme to e iniviuls. For the voine of out, suh loks of flts, self-ontine units insure s prt of suh loks of flts or suh privte welling houses oupie s privte resiene y ny of the trustee(s) or sole trer(s) will e eeme to e insure in the nme of n iniviul. 3 ny Nuler Instlltion or Nuler Retor 4 ny loss whtsoever or ny expeniture resulting or rising therefrom or ny Business Interruption iretly or iniretly relting to privte resiene property when insure in the nme of privte iniviul use y or ontriute to y or rising from: the riotive toxi explosive or other hzrous properties of ny explosive nuler ssemly or nuler omponent thereof; ionising rition or ontmintion y riotivity or from the omustion of ny riotive mteril; hemil n/or iologil n/or riologil irritnts ontminnts or pollutnts. Dmge Loss or estrution of or mge to Property Insure. Business Interruption Loss resulting from interruption of or interferene with the Business rrie on y the lnsure t the Premises in onsequene of loss or estrution of or mge to property use y the lnsure t the Premises for the purpose of the Business. Nuler Instlltion Any instlltion of suh lss or esription s my e presrie y regultions me y the relevnt Seretry of Stte from time to time y sttutory instrument, eing n instlltion esigne for or pte for 1 the proution or use of tomi energy or 2 the rrying out of ny proess whih is preprtory or nillry to 92

95 Complete Business Poliy Woring the proution or use of tomi energy n whih involves or is ple of using the emission of ionising ritions or 3 the storge, proessing or isposl of nuler fuel or of ulk quntities of other riotive mtter, eing mtter whih hs een proue or irrite in the ourse of the proution or use of nuler fuel. Nuler Retor Any plnt (inluing ny mhinery, equipment or ppline, whether ffixe to ln or not) esigne or pte for the proution of tomi energy y fission proess in whih ontrolle hin retion n e mintine without n itionl soure of neutrons. Virus or Similr Mehnism Progrm oe, progrmming instrution or ny set of instrutions intentionlly onstrute with the ility to mge, interfere with or otherwise versely ffet omputer progrms, t files or opertions, whether involving self-replition or not. The efinition of Virus or Similr Mehnism inlues ut is not limite to trojn horses, worms n logi oms. Hking Unuthorise ess to ny omputer or other equipment or omponent or system or item whih proesses, stores, trnsmits or retrieves t, whether the property of the Insure or not. Phishing Any ess or ttempte ess to t or informtion me y mens of misrepresenttion or eeption. Denil of Servie Attk Any tions or instrutions onstrute or generte with the ility to mge, interfere with or otherwise ffet the vilility of networks, network servies, network onnetivity or informtion systems. Denil of Servie Attks inlue, ut re not limite to, the genertion of exess trffi into network resses, the exploittion of system or network weknesses, n the genertion of exess or nongenuine trffi etween n mongst networks. Cover The lnsurer will py the Insure for Dmge, or Business Interruption osione y or hppening through or in onsequene of n At of Terrorism within the Territoril Limits Provie lwys tht the insurne y this Setion e is not sujet to the Generl Exlusions of the Generl Cover Poliy is sujet otherwise to ll the terms n onitions of the Generl Cover Poliy exept where expressly vrie within this Setion is sujet to mximum Perio of lnsurne of 12 months from the Effetive Dte or ny susequent Renewl Dte of this Poliy Any susequent perio of over of 12 months, or prt thereof, provie y this Setion is eeme to onstitute seprte Perio of Insurne, provie tht i no susequent Perio of lnsurne y this Setion shll exten eyon the next Renewl Dte of this Poliy ii the renewl premium ue in respet of this Setion hs een reeive y the lnsurer is not sujet to ny Long Term Unertking pplying to the Generl Cover Poliy is not sujet to ny terms in the Generl Cover Poliy whih provie for justments of premium. Bsis of Settlement As esrie in n sujet to the terms, efinitions, provisions, exlusions n onitions of ny Generl Cover Poliy in respet of Dmge or Business Interruption. The most the lnsurer will py for ny one Event is the Totl Sum Insure, or for eh item its iniviul Sum Insure, or ny other limit of liility in the Generl Cover Poliy, whihever is the less, exept where the liility of the Insurer exees the Totl Sum Insure, or for eh item its iniviul Sum Insure, or ny other limit of liility in the Generl Cover Poliy, where suh exess is solely in respet of ny Cover Extension s provie for in the Generl Cover Poliy. 93

96 Complete Business Poliy Woring Setion 12 Terrorism (ontinue) Setion Exlusions This Setion oes not over the following: 1 Digitl n Cyer Risk Exlusion ny losses whtsoever iretly or iniretly use y or ontriute to y or rising from or osione y or resulting from Setion Conitions 1 Buren of Proof In ny tion suit or other proeeings where the lnsurer lleges tht ny mge or loss resulting from mge is not overe y the Generl Cover Poliy, the uren of proving tht suh mge or loss is overe shll e upon the Insure. the ltertion, moifition, istortion, orruption of or mge to ny omputer or other equipment or omponent or system or item whih proesses, stores, trnsmits or reeives t or ny prt thereof whether tngile or intngile (inluing ut without limittion ny informtion or progrms or softwre) or ny ltertion, moifition, istortion, ersure or orruption of t proesse y ny suh omputer or other equipment or omponent or system or item whether the property of the Insure or not, where suh loss is iretly or iniretly use y or ontriute to y or rising from or osione y or resulting from Virus or Similr Mehnism or Hking or Phishing or Denil of Servie Attk. 2 Riot, Civil Commotion n Wr ny losses whtsoever osione y riot, ivil ommotion, wr, invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power. 3 Territoril Limits ny losses whtsoever rising iretly or iniretly from ny over or extension of Premises provie y the Generl Cover Poliy to lotions outsie the Territoril Limits. 94

97 Complete Business Poliy Woring Aitionl Benefits 24 Hour Lwphone Legl Avie Helpline Lwphone provies vie on ny ommeril legl mtter 24 hours y, 365 ys yer. The vie the Insure reeives from Lwphone will e in orne with the lws of Engln n Wles, Sotln n Northern Ireln. Lwphone oes not provie vie on the lws of ny other ountry or jurisition. The Insurer my reor the lls for the Insure n Insurer s mutul protetion n the Insurer s trining purposes. Lwphone: The Insure shoul quote the Mster Poliy referene ontine within the Poliy Sheule n provie rief summry of the prolem. The etils will e psse to n viser who will return the Insure s ll. All res of lw relevnt to the Business of the Insure re overe. This vie is ville to the Insure uring the urreny of the Poliy, lthough no liility n e epte for inility to provie vie ue to rekown or filure of the telephone network. This telephone helpline is provie y Allinz Legl Protetion, prt of Allinz Insurne pl. Tx Avie Helpline This helpline provies vie on ny usiness tx mtter ffeting the Insure n is ville etween the hours of 9.00m n 5.00pm, Mony to Friy (exluing Puli Holiys). Avie provie y the helpline will e in orne with the txtion lws of Engln n Wles, Sotln n Northern Ireln. The Tx Avie Helpline nnot provie vie on the lws of ny other ountry or jurisition. Plese note tht this is telephone servie, whih is intene for generl enquiries. It oes not provie vie on ny mtter relting to tx plnning n the Tx Avie Helpline nnot engge in oumenttion review or enter into ny written orresponene with the Insure, exept where the visor onsiers it pproprite to forwr etils of written proeures to the Insure y emil. Avie n guine will e in orne with the visers unerstning of the irumstnes s esrie y the Insure. When ontting the Tx Avie Helpline, the Insure shoul quote the Mster Poliy referene ontine within the Poliy Sheule. Tx Helpline: The Insure n ontt the helpline s often s require uring the term of the Poliy, lthough in the event tht the telephone line is not ville for tehnil resons no liility n e epte for inility to provie vie. This helpline is provie y Aey Tx Protetion tring ivision of Aey Tx n Consultny Servies Lt of One Mithell Court, Cstle Moun Wy, Rugy CV23 0UY. Allinz Legl Online As prt of the Commeril Legl Expenses fility the Insure hs ess to extensive online Business support vi Allinz Legl Online. This fility provies tools n servies tht will help the Insure to proue legl pperwork in onnetion with the Insure s Business, for exmple, espoke ontrts of employment. In ition it provies the Insure with up to te guine n vie on mny legl issues, suh s, employment legl proeures, mnging the Insure s Business n et reovery. The legl pperwork n guine will lwys e in orne with the lws of Engln n Wles, Sotln n Northern Ireln. The Insure n ess Allinz Legl Online t: A registrtion numer is require to enter the we site n this is shown within the Commeril Legl Expenses etils on the Poliy Sheule. If the Insure hs ny prolems relting to Allinz Legl Online plese ontt the Allinz Legl Online ustomer servies tem on or e-mil them t [email protected] Allinz Legl Online is provie y Epoq Legl Lt of Milesex House, High Street, Egwre, Milesex HA8 7UU. This servie shoul not e use s sustitute for forml onsulttion with the Insure s ountnt or other tx viser, who n review the Insure s prtiulr irumstnes in more epth thn is intene y this servie. 95

98 Complete Business Poliy Woring Aitionl Benefits (ontinue) Glss Replement Broken glss is ngerous for oth yourself n your ustomers n in some irumstnes, n e mjor seurity risk. Allinz hve negotite speil rrngement for you, with one of Britin s leing glss replement speilists, Solgls. Solgls will ill Allinz iret you py nothing exept the poliy exess n the VAT. The servie is ville 24 hours y, ll yer roun, n n e telephone FREE on Help On Strting n Running Business Running usiness mens fing onstnt strem of hllenges n opportunities often with limite resoures. Whether you re looking for help with mngement tehniques, finne, export skills, esign, tehnology, mrketing or informtion tehnology, one phone ll will put you in touh with highly experiene tem of experts with hns-on experiene. To ontt your regionl Business Support Helpline, telephone: Engln: Business Support Helpline Telephone: Textphone: Mony to Friy, 9m to 6pm Wles: Business Wles Helpline Telephone: Mony to Friy, 8m to 6pm Sotln: Business Gtewy (Sotln) Telephone: Textphone: Mony to Friy, 8m to 6pm Support n vie n lso e otine through the GOV.UK wesite t Risk Diretor Risk Diretor is Allinz s wr winning online risk mngement servie tht is FREE for Allinz poliyholers. At the lik of utton you n ess effetive risk mngement guine n informtion n lso ess truste n imprtil risk mngement prout n servie resoures. Try it now vi 96

99 Complete Business Poliy Woring Dt Protetion Allinz Insurne pl together with other ompnies within the Allinz SE group of ompnies ( Allinz Group ) my use the personl n usiness etils you hve provie or whih re supplie y thir prties inluing ny etils of iretors, offiers, prtners n employees (whose onsent you must otin) to: provie you with quottion, el with the ssoite ministrtion of your poliy n to hnle lims; serh reit referene, reit soring n fru genies who my keep reor of the serh; shre with other insurne orgnistions to help offset risks, minister your poliy, for sttistil nlysis, n to hnle lims n prevent fru; support the evelopment of our usiness y inluing your etils in ustomer surveys, for mrket reserh n usiness reviews whih my e rrie out y thir prties ting on our ehlf. Allinz Group my nee to ollet n proess t relting to iniviuls who my enefit from the poliy ( Insure Persons ), whih uner the Dt Protetion At is efine s sensitive (suh s meil history of Insure Persons) for the purpose of evluting the risk n/or ministering lims whih my our. You must ensure tht you hve expliit verl or written onsent from the Insure Persons to suh informtion eing proesse y Allinz Group n tht this ft is me known to the Insure Persons. The Dtse n the t store on it my e esse n use y the Climnts, their ppointe representtives, insurers with potentil liility for UK ommeril lines employers liility insurne over n ny other persons or entities permitte y lw. The Dtse will e mnge y the ELTO n further informtion n e foun on the ELTO wesite Telephone lls my e reore for our mutul protetion, trining n monitoring purposes. Uner the Dt Protetion At 1998 iniviuls re entitle to request opy of ll the personl informtion Allinz Insurne pl hols out them. Plese ontt the Customer Stisftion Mnger, Allinz Insurne pl, 57 Lyme, Guilfor, Surrey, GU1 1DB. Personl etils my e trnsferre to ountries outsie the EEA. They will t ll times e hel seurely n hnle with the utmost re in orne with ll priniples of English lw. By pplying for n/or entering into this insurne poliy you will e eeme to speifilly onsent to the use of your t n your insurne poliy t in this wy n for these purposes n tht your iretors, offiers, prtners, n employees hve onsente to our using their etils in this wy. If your poliy provies Employers' Liility over informtion relting to your insurne poliy will e provie to the Employers' Liility Tring Offie (the ELTO ) n e to n eletroni tse, (the Dtse ) in formt set out y the Employers' Liility Insurne: Dislosure y Insurers Instrument The Dtse ssists iniviul onsumer limnts who hve suffere n employment relte injury or isese rising out of their ourse of employment in the UK whilst working for employers rrying on, or who rrie on, usiness in the UK n s result re overe y the employers liility insurne of their employers, (the Climnts ): i to ientify whih insurer (or insurers) ws (or were) proviing employers liility over uring the relevnt perios of employment; n ii to ientify the relevnt employers liility insurne poliies. 97

100 This pge is left intentionlly lnk

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104 Allinz Insurne pl. Registere in Engln numer Registere offie: 57 Lyme, Guilfor, Surrey, GU1 1DB, Unite Kingom. Allinz Insurne pl is memer of the Assoition of British Insurers. Allinz Insurne pl is uthorise y the Pruentil Regultion Authority n regulte y the Finnil Conut Authority n the Pruentil Regultion Authority. Finnil Servies Register numer ACOM973_