Essential business legal expenses policy schedule

Transcription

1 This document is an outline of your cover. It includes your details, details of the business you have insured, the cover given, the cover limits, the excesses and any changes to the standard policy wording specific to your own circumstances. Please remember that your cover is based on the information that you have given us. If anything you have told us changes before your policy starts, or while your policy is in place, then you need to tell us. This helps us ensure you have sufficient cover. You should always read this document in conjunction with the policy wording. How to contact us To talk to us please contact Simply Business. Simply Business Sol House 29 St Katherine's Street rthampton NN1 2QZ UK T: or F: E: To make a claim, please call or [email protected] as soon as possible. For details of the helplines you have access to, see your policy wording. Premium details Annual premium Plus 6.0 % Insurance Premium Tax Total premium Essential business legal Page 1 of 6

2 Policy details Policy reference COBI294457XB Period of insurance From 31 March :00 Until 30 March :59 Underwriters ARAG plc on behalf of Brit Syndicate 2987 at Lloyd's Schedule version 1 Insured details Name of insured Tapped Out Plumbing & Heating Cover details: legal expenses Cover for Covered up to Legal expenses 100,000 Extra covers Contract and debt recovery is covered. Employment compensation awards is covered up to an annual aggregate limit of 1,000,000. Voucher code number EB78228FCB31 for access to business legal services (see your policy wording for full details). Cover details: excesses You will have to pay the first part of any claim. The amount you will have to pay is shown below. Legal expenses Excesses excess Essential business legal Page 2 of 6

3 Endorsements endorsements apply to this legal expenses policy. Basis of Cover The facts shown below, and all information you or anyone acting on your behalf provided before we agreed to insure you, are incorporated into and form the basis of the policy. By accepting this insurance you confirm that these facts are correct. If anything is not correct, you might find you re not covered if you have to make a claim. References to "You" or "Your" include anyone involved in running the business. (e.g. family members and business partners). About your business Which category describes your business best? What is your specific business / trade? Do you have a secondary business activity / secondary trade? How many years have you been running your own business in this industry? What is your business postcode? Which of these categories best describes your business? What is your projected turnover for your current financial year? Construction / Building Plumbing, heating and ventilation contractor - commercial Less than 1 year WD24 4AS Sole trader Less than 25,000 Essential business legal Page 3 of 6

4 Cover options Cover name Cover provided Public / Product Liability 2,000,000 Legal Expenses 100,000 Building Business / Office Equipment Tools Contract Works Stock Own Plant Hired In Plant t required t required t required t required t required t required t required About your employees Do you have any employees (including labour only subcontractors)? Do you use bona fide subcontractors? Essential business legal Page 4 of 6

5 Specific business questions Do you gain access by using ropes, harnesses or suspended platforms (this does not include scaffolding or cherry pickers)? Do you use the application of heat in your normal business activities? What type of heat do you use? Do you, or anybody working for you, work with asbestos or any product containing asbestos? Do you undertake work involving chemicals or other substances which could be harmful to health, other than those usually used in your trade? Do you dispose of fumes, effluent or other harmful waste as part of your insured business activity? Do you work at heights above 10 metres? (te: 10 metres is approximately the height of a 2 storey house.) Have you done or do you plan to do any work on contracts outside the UK or for customers based outside the UK? Do you undertake gas work? Do you provide services to OR undertake work at the following locations: - power stations - nuclear installations - oil, gas or petrochemical works - airports, aircraft, aviation safety or airside work - watercraft, docks, harbours - railways - hospitals or other medical facilities? Do you offer advice, design, or certification in your business activities? Yes Blowtorches or Blowlamps Essential business legal Page 5 of 6

6 Statements of fact Have you made any claims (whether insured or not) or has anyone asked you for compensation in the last 5 years? Are you aware of any circumstances over the last 5 years that could give rise to a claim being made against you or the company? Does the company have any current or ongoing legal or contractual disputes? Are there any ongoing legal disputes with current or former employees? your family had any insurance proposal declined, renewal refused or cover terminated for any reason? your family been declared bankrupt or been granted an Individual Voluntary Arrangement (IVA)? your family been a director of a company which went into liquidation? your family been convicted of any criminal offence other than a motoring offence or an offence that is now considered "spent" under the Rehabilitation of Offenders Act 1974? Postcode question Postcode WD24 4AS Essential business legal Page 6 of 6