Wrightsure Liability Plus Employers Liability and Public and Products Liability

Transcription

1 Allnz Insurne pl Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng

2 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Introduton Your Wrghtsure Llty Plus poly s mde up of severl prts whh must e red together s they form your ontrt. Plese tke tme to red ll prts of the poly to mke sure they meet your needs nd tht you understnd the terms, exlusons nd ondtons. If you wsh to hnge nythng or f there s nythng you do not understnd, plese let your nsurne dvser know. The prts of the Poly whh form your ontrt of nsurne wth Allnz Insurne pl re: ths Introduton the proposl, presentton of the rsk, or ny other nformton suppled y you or on your ehlf the Insurng Cluse; Defntons; Exlusons nd Condtons, ll of whh pply to ll Events overed y the Poly the Shedule, whh nludes ll luses ppled to the Poly whle the Poly s n fore. Any word or expresson n the Poly whh hs spef menng hs the sme menng wherever t ppers n the Poly, unless stted otherwse. Thnk you for hoosng Allnz Insurne pl. Jonthn Dye Chef Exeutve 1

3 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Insurng Cluse In onsderton of pyment of the premum the Insurer wll ndemnfy or otherwse ompenste the Insured gnst loss, destruton, dmge, njury or llty (s desred n nd sujet to the terms, ondtons, lmts nd exlusons of ths Poly) ourrng or rsng n onneton wth the Busness durng the Perod of Insurne or ny susequent perod for whh the Insurer grees to ept renewl premum. For Allnz Insurne pl Jonthn Dye Chef Exeutve 2

4 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Defntons The followng defntons pply to ths poly. 1 Poly The ontrt of nsurne formed of the douments desred n the Introduton 2 Shedule The prt of ths Poly tht detls nformton formng prt of ths ontrt of nsurne 3 The Insurer Allnz Insurne pl 4 The Insured The Insured shll men ny Clent of Wrghtsure Serves (Hmpshre) Ltd trdng s pssenger trnsport opertor who wthn 45 dys of over ommenng hs een delred to the Insurer 5 Perod of Insurne The perod from the Effetve Dte to the Renewl Dte s shown n the Shedule 6 Busness The usness desrpton stted n the Shedule 7 Exess/Dedutle The frst prt of eh nd every lm, for whh the Insured s responsle 8 Injury Bodly njury, deth, dsese, llness, mentl njury, mentl ngush or nervous shok 9 Employee Any person under ontrt of serve or pprenteshp wth the Insured ny of the followng persons whlst workng for the Insured n onneton wth the Busness ny lour mster or lour only suontrtor or person suppled y hm ny self-employed person provdng lour only ny trnee or person undergong work experene v ny voluntry helper v ny person who s orrowed y or hred to the Insured 10 Busness The Busness spefed n the Shedule onduted solely from Gret Brtn, Northern Irelnd, the Isle of Mn or the Chnnel Islnds nd nludng the ownershp, mntenne nd repr of Premses used n onneton therewth the provson nd mngement of nteen, sol, sports or welfre orgnstons for the eneft of Employees nd the mulne, frst d, fre, medl nd seurty serves of the Insured the exeuton of prvte dutes y Employees for ny prtner, dretor or senor offl of the Insured 11 Terrtorl Lmts Gret Brtn, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds d Any other memer ountry of the Europen Unon elsewhere n the world n respet of Injury other thn to n Employee, loss or dmge used y or rsng from non-mnul tvtes of ny prtner, dretor or Employee of the Insured normlly resdent wthn the terrtores spefed n Defnton 11. ove nd ourrng durng ny journey or temporry vst Produts elsewhere n the world n respet of Injury sustned y ny Employee normlly resdent wthn the terrtores spefed n Defnton 11 nd used whlst temporrly employed outsde these terrtores provded tht ny ton for ompenston n respet of suh Injury s rought n Court of Lw wthn the sd terrtores or ny other memer ountry of the Europen Unon 12 Produts Any goods or other property (nludng ther ontners, pkgng, lellng nd nstrutons for use), sold, suppled, delvered, nstlled, ereted, repred, ltered, treted or tested y the Insured n onneton wth the Busness nd not n the hrge or ontrol of the Insured 13 Polluton or Contmnton All Polluton or Contmnton of uldngs or other strutures or of wter or lnd or the tmosphere; nd ll Injury, loss or dmge dretly or ndretly used y suh polluton or ontmnton. All Polluton or Contmnton whh rses out of one ndent shll e deemed to hve ourred t the tme suh ndent tkes ple 3

5 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 14 Offshore Instlltons The Busness spefed n the Shedule onduted solely from Gret Brtn, Northern Irelnd, the Isle of Mn or the Chnnel Islnds nd nludng Any nstllton n the se or tdl wters whh s ntended for underwter explotton of mnerl resoures or explorton wth vew to suh explotton ourrng wthn the Terrtorl Lmts durng the Perod of Insurne n onneton wth the Busness Costs nd Expenses The Insurer wll py osts nd expenses nurred y the Insurer or wth the wrtten onsent of the Insurer n onneton wth the defene of ny lm ny nstllton n the se or tdl wters whh s ntended for the storge or reovery of gs ny ppe or system of ppes n the se or tdl wters for representton of the Insured t ny oroner s nquest or ftl dent nqury n respet of deth d ny nstllton whh s ntended to provde ommodton for persons who work on or from the lotons spefed n Defnton 14, 14 or 14 ove t proeedngs n ny ourt of summry jursdton or on ndtment n ny hgher ourt n respet of ny lleged reh of sttutory duty resultng n Injury, loss or dmge 15 Terrorsm An t nludng ut not lmted to the use of fore or volene nd/or thret of ny person or group(s) of persons whether tng lone or on ehlf of or n onneton wth ny orgnston(s) or government(s) ommtted for poltl relgous deologl or smlr purposes nludng the ntenton to nfluene ny government nd/or to put the pul or ny seton of the pul n fer 16 Asestos Asestos or fres or prtles of sestos or ny mterl ontnng sestos Cover Event 1 - Employers Llty The Insurer wll ndemnfy the Insured gnst legl llty to py ompenston nd lmnts osts nd expenses n respet of Injury sustned y ny Employee rsng out of nd n the ourse of the employment or enggement of suh person y the Insured n onneton wth the Busness nd used wthn the Terrtorl Lmts durng the Perod of Insurne Event 2 - Pul nd Produts Llty The Insurer wll ndemnty the Insured gnst legl llty to py ompenston nd lmnts osts nd expenses n respet of dentl Injury to ny person exept s provded y Event 1 loss of or dmge to mterl property nusne, trespss, ostruton or nterferene wth ny rght of wy, lght, r or wter whh my e the sujet of ndemnty under ths Poly Lmts of Indemnty Under Event 1 The Insurer s llty for ll ompenston osts nd expenses pyle n respet of ny one lm or seres of lms rsng out of one ourrene shll not exeed the Lmt of Indemnty shown n the Shedule exept tht t shll not exeed 5,000,000 n respet of n t of Terrorsm Under Event 2 The Insurer s llty for ll ompenston nd lmnts osts nd expenses pyle n respet of ny one ourrene or ll ourrenes of seres onsequent on or ttrutle to one soure or orgnl use ll Injury loss nd dmge ourrng durng ny one Perod of Insurne nd used y nd rsng from Produts ll Polluton or Contmnton whh s deemed to hve ourred durng ny one Perod of Insurne shll not exeed the Lmt of Indemnty shown n the Shedule. In respet of ll lms gnst the Insured mde wthn the legl jursdton of the Unted Sttes of Amer or Cnd the Lmt of Indemnty shll e nlusve of the mount of ll osts nd expenses nurred y the Insurer or wth the wrtten onsent of the Insurer n onneton wth the defene of suh lms In respet of n t of Terrorsm the Lmt of Indemnty shll not exeed the Lmt of Indemnty shown n the Shedule or 5,000,000 (whhever s the lesser) 4

6 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng A B C Indemnty to Other Prtes If the Insured so requests the Insurer wll ndemnfy the followng prtes ny offer or ommttee memer or other memer of the Insured s nteen, sol, sports or welfre orgnstons or mulne, frst d, fre, medl or seurty serves gnst llty nurred n suh pty ny prtner, dretor or Employee of the Insured gnst llty nurred n suh pty nd n respet of whh the Insured would hve een enttled to ndemnty under ths Seton f the lm hd een mde gnst the Insured s though eh prty were ndvdully nmed s the Insured n ths Poly ny prnpl for whom the Insured hve greed to exeute work under ontrt or greement gnst llty rsng out of the performne of suh work y the Insured nd n respet of whh the Insured re leglly lle nd would hve een enttled to ndemnty under ths Poly f the lm hd een mde gnst the Insured Provded tht eh suh prty shll oserve fulfl nd e sujet to the terms nd ondtons of ths Poly n so fr s they n pply the Insurer s llty to the Insured nd ll prtes ndemnfed shll not exeed n totl the Lmt of Indemnty spefed n the Shedule. Jont Insured Cross Lltes If more thn one prty s nmed s the Insured ths Poly shll pply s though eh were nsured seprtely provded tht the Insurer s llty to ll prtes ndemnfed shll not exeed n totl the Lmt of Indemnty shown n the Shedule. Overses Personl Llty The Busness s extended to nlude personl tvtes (not onneted wth ny gnful oupton or professon nor wth the ownershp or tenure of ny lnd or uldng) of ny prtner, dretor or Employee of the Insured or fmly memer of suh prtner, dretor or Employee normlly resdent wthn the terrtores spefed n Defnton 11 n the ourse of ny journey or temporry vst to ny other ountry mde n onneton wth the Busness. D E Motor Contngent Llty The Insurer wll ndemnfy the Insured n the terms of ths Poly gnst llty rsng out of the use n onneton wth the Busness of ny vehle not owned, provded or eng drven y the Insured ut ths Seton does not over llty d n respet of loss of or dmge to suh vehle rsng out of ny suh use n ny ountry outsde the Europen Unon nurred y ny prty other thn the Insured nurred y ny prty dentfed n prgrph A. (Indemnty to Other Prtes) other thn n Employee. Helth nd Sfety t Work - Legl Defene Costs The Insurer wll ndemnfy the Insured nd f the Insured so request ny prtner, dretor or Employee of the Insured n the terms of ths Poly n respet of osts nd expenses nurred wth the Insurer s wrtten onsent osts nd expenses of the proseuton wrded gnst ny suh prty n onneton wth rmnl proeedngs or n ppel gnst onvton rsng from suh proeedngs rought n respet of ny offene under the Helth nd Sfety t Work et. At 1974 or the Helth nd Sfety t Work (Northern Irelnd) Order 1978 ommtted or lleged to hve een ommtted durng the Perod of Insurne n onneton wth the Busness Provded tht the Insurer shll hve the ondut nd ontrol of ll the sd proeedngs nd ppels. the Insurer wll not py for fnes or penltes of ny knd proeedngs or ppels n respet of ny delerte t or omsson osts or expenses nsured y ny other nsurne. 5

7 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng F Dt Proteton At The Insurer wll ndemnfy the Insured nd t the Insured s request ny prtner, dretor or Employee of the Insured gnst the sums whh the Insured or ny dretor, prtner or Employee of the Insured eome(s) leglly lle to py s ompenston, under Seton(s) 22 nd/or 23 of the Dt Proteton At 1984 s mended y the Dt Proteton At 1998, for dmge or dstress used n onneton wth the Busness durng the Perod of Insurne provded tht the Insured s regstered user n ordne wth the terms of the At not n usness s omputer ureu The totl mount pyle nludng ll osts nd expenses under ths prgrph, n respet of ll lms ourrng durng ny one Perod of Insurne, s lmted to 250,000. The Insurer wll not py for d e ny dmge or dstress used y ny delerte t or omsson y the Insured the result of whh ould resonly hve een expeted y the Insured hvng regrd to the nture nd rumstnes of suh t or omsson ny dmge or dstress used y ny t of frud or dshonesty the osts nd expenses of retfyng, rewrtng or ersng dt llty rsng from the reordng, proessng or provson of dt for rewrd or to determne the fnnl sttus of ny person the pyment of fnes or penltes Provded tht there s no ppel outstndng the Employee shll hve ssgned the judgement to the Insurer Employers Llty over ws shown n the Shedule t the tme of the Injury H Defetve Premses At 1972 The Insurer wll ndemnfy the Insured n the terms of ths Poly gnst llty nurred y the Insured under Seton 3 of the Defetve Premses At 1972 or Seton 5 of the Defetve Premses (Northern Irelnd) Order 1975 n onneton wth premses or lnd dsposed of y the Insured Provded tht ths Extenson does not over the ost of retfyng ny dmge or defet n the premses or lnd dsposed of llty for whh the Insured s enttled to ndemnty under ny other nsurne. I Consumer Proteton nd Food Sfety Ats - Legl Defene Costs The Insurer wll ndemnfy the Insured nd f the Insured so request ny prtner, dretor or Employee of the Insured n the terms of ths Poly n respet of legl osts nd expenses nurred wth the wrtten onsent of the Insurer n onneton wth the defene of ny rmnl proeedngs or n ppel gnst onvton rsng from suh proeedngs rought n respet of ny offene under Prt 2 of the Consumer Proteton At 1987 G Unstsfed Court Judgements If judgement for ompenston or osts n respet of Injury sustned y n Employee rsng out of nd n the ourse of employment or enggement y the Insured n onneton wth the Busness nd used wthn the Terrtorl Lmts durng the Perod of Insurne s otned y suh Employee n ny ourt stute wthn the terrtores spefed n Defnton 11 gnst ny person or orporte ody domled or opertng from premses wthn suh terrtores nd remns wholly or prtly unstsfed sx months fter the dte of suh judgement the Insurer wll f the Insured so request py to the sd Employee the mount of ny suh ompenston nd osts to the extent tht they remn unstsfed or Seton(s) 7,8,14 nd/or 15 of the Food Sfety At 1990 ommtted or lleged to hve een ommtted durng the Perod of Insurne n onneton wth the Busness Provded tht the Insurer shll hve the ondut nd ontrol of ll the sd proeedngs nd ppels The Insurer wll not py for fnes or penltes of ny knd proeedngs or ppels n respet of ny delerte t or omsson osts or expenses nsured y ny other poly 6

8 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng J K L Court Attendne Compenston If durng the Perod of Insurne ny prtner, dretor or Employee of the Insured s requred to ttend ourt s wtness t the request of the Insurer n onneton wth lm whh s the sujet of ndemnty under ths Poly the Insurer wll py ompenston to the Insured on the followng sle for eh dy tht ttendne s requred: ny dretor or prtner 250 ny Employee 150 Contrtul Llty In respet of llty ssumed y the Insured y ontrt or greement entered nto y the Insured nd whh would not hve tthed n the sene of suh ontrt or greement, the ndemnty provded y ths Poly shll only pply f the sole ondut nd ontrol of ny lm s vested n the Insurer Provded tht the Insurer shll not n ny event provde ndemnty under Exluson 8 exept s stted theren n respet of lqudted dmges or fnes or dmges mposed y or pyle under ny penlty luse. Pssengers Effets Where the Insured s leglly lle for dentl loss or dmge to ggge nd personl effets not the property of the Insured nor ny Employee ut deposted wth the Insured for sfe keepng the Insurer wll ndemnfy the Insured gnst suh legl llty Provded tht 1 suh ggge nd personl effets wll e kept n loked nd seure ple whlst unttended nd n respet of theft losses n seurely loked ggge omprtment of ny vehle whlst n trnst 2 the Insurer wll not e lle n respet of ny unexplned loss or dmge to ggge or personl effets 3 the Insurer wll not e lle n respet of loss or dmge to ggge or personl effets followng theft from ny premses or vehle unless there re vsle sgns of forle nd volent entry nto or ext from suh premses or vehle 4 the llty of the Insurer wll not exeed 1,000 ny one pssenger 50,000 ny one vehle 100,000 n ny one Perod of Insurne 5 the Insurer wll not e lle n respet of the frst 100 of eh nd every lm for loss or dmge under ths extenson. But ths mount wll not pply n respet of loss or dmge followng ny dentl dmge to the rryng vehle used n n ttempt to vod ny dent or ollson. The mxmum mount pyle rsng out of one suh ndent wll not exeed 1,000. Exlusons Ths Poly does not over 1 Work on Offshore Instlltons llty n respet of Injury, loss or dmge rsng n onneton wth work on or trvel to or from Offshore Instlltons. 2 Fnes, penltes, lqudted, puntve, exemplry or ggrvted dmges. llty n respet of fnes, penltes or lqudted dmges puntve, exemplry or ggrvted dmges or ny dmges resultng from the multplton of ompenstory dmges. 3 Polluton or Contmnton llty n respet of Polluton or Contmnton ourrng n the Unted Sttes of Amer or Cnd or ny dependeny or trust terrtory Polluton or Contmnton ourrng elsewhere unless used y sudden dentfle unntended nd unexpeted ndent whh tkes ple n ts entrety t spef tme nd ple durng the Perod of Insurne. 4 Mehnlly Propelled Vehles llty rsng out of the ownershp, possesson or use y or on ehlf of the Insured of ny mehnlly propelled vehle (or trler tthed thereto) whh s requred y ny rod trff legslton to e the sujet of ompulsory nsurne or other seurty ut ths Exluson shll not pply whle suh vehle s eng used s tool of trde (other thn n respet of llty whh s ompulsorly nsurle under rod trff legslton) n respet of the lodng or unlodng of suh vehle or the delvery or olleton of goods to or from suh vehle exept where more speflly nsured y ny other poly. 5 Vessels or Crft llty rsng out of the ownershp, possesson or use y or on ehlf of the Insured of ny vessel or rft desgned to trvel n, on or through wter, r or spe (other thn hnd-propelled wterrft). 7

9 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 6 Property n the hrge or ontrol of the Insured llty n respet of loss of or dmge to ny property elongng to or n the hrge or ontrol of the Insured other thn personl effets or vehles of ny prtner, dretor or Employee of or vstor to the Insured premses (nd ther ontents) not elongng, lesed, rented or hred to the Insured ut temporrly n the hrge of the Insured for the purpose of rryng out work premses (nludng ther fxtures nd fttngs) lesed, rented or hred to the Insured ut ths Poly does not over llty tthng to the Insured solely under the terms of ny tenny or other greement. 7 Dmge to Goods Suppled llty n respet of loss of or dmge to ny goods or other property sold, suppled, delvered, nstlled or ereted y or on ehlf of the Insured ll osts of or rsng from the need for mkng good, removl, repr, retfton, replement or rell of ny suh goods or property ny defetve work exeuted y or on ehlf of the Insured exept tht 7 nd 7() ove shll not pply to llty n respet of loss of or dmge to the sd goods or property f suh loss or dmge s used y or rses from 1 ny lterton, repr or servng work exeuted 2 ny other goods or property sold, suppled delvered, nstlled or ereted y the Insured under seprte ontrt. 8 Produts n respet of Injury, loss or dmge used y or rsng from Produts d ny llty whh tthes to the Insured solely under the terms of n greement other thn under ny wrrnty of goods mpled y lw under ny ndemnty luse n ny greement etween the Insured nd ny ndependent rrer n respet of Injury, loss or dmge used y Produts entrusted to suh rrer for trnst y rod, rl or wterwy ny Produt nstlled or norported n ny rft desgned to trvel n or through r or spe nd whh to the Insured s knowledge ws ntended to e nstlled or norported n ny suh rft ny lm mde gnst the Insured n ny ountry outsde the Europen Unon n whh the Insured oupy premses or re represented y ny resdent employee or holder of the Insured s power of ttorney nvolvng the repr servng nd sle of goods other thn the repr nd servng of the Insured s own vehles nd n respet of food nd drnk sold or suppled y the Insured n onneton wth the usness. Where n pproprte ddtonl premum hs een pd nd detls provded to the Insurer the Produts Lmtton ontned n Exluson prgrph 8d wll not pply n respet of ny repr or servng work undertken on vehles not owned y the Insured. 9 Adve nd Desgn llty for Injury, loss or dmge rsng out of or n onneton wth dve, desgn, formul, spefton, nspeton, ertfton or testng provded or performed for fee y or on ehlf of the Insured. 8

10 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 10 Contrt Works nd J.C.T. Cluse llty n respet of loss of or dmge to ny property omprsng or to e norported n the ontrt works n respet of ny ontrt undertken y the Insured gnst whh the Insured re requred to effet nsurne under the terms of Cluse of the J.C.T. (R.I.B.A.) Condtons of Contrt or of ny other ontrt ondton requrng nsurne of lke knd. 11 Computer Dte Reognton llty rsng dretly or ndretly from the flure of ny omputer or other equpment or system for proessng, storng or retrevng dt, whether the property of the Insured or not, to heve ny or ll of the purposes nd onsequentl effets ntended y the use of ny numer to denote dte nludng the flure orretly to reognse ny dte s ts true lendr dte to reognse, pture, sve, retn, restore nd/or orretly to mnpulte, nterpret, lulte or proess ny dt or nformton or ommnd or nstruton s result of tretng ny dte otherwse thn s ts true lendr dte to reognse pture, sve retn, restore nd/or orretly to mnpulte, nterpret, lulte or proess ny dt or nformton s result of the operton of ny ommnd whh hs een progrmmed nto ny omputer softwre or frmwre, eng ommnd whh uses the loss of dt or the nlty to reognse, pture, sve, retn, restore or orretly to mnpulte, nterpret, lulte or proess ny dt on or fter ny dte 12 Exess the mount of the Exess shown n the Shedule 13 Arports Aerodromes Injury loss or dmge to persons or property rsng out of the use of ny vehle for olleton or delvery of pssengers from ny rrft mnoeuvrng re pron or ny serve rods whh re dretly ssoted therewth on ny rport or erodrome 14 Tour Opertors Llty Injury loss or dmge ssumed under the EC Dretve 90/314, the UK Pkge Regultons 1992 or ny susequent mendments 15 Pul nd Produts Llty - Terrorsm Lmt of Indemnty If the Insurer lleges tht y reson of ths lmtton ny loss dmge ost or expense s not overed the urden of provng the ontrry shll e upon the Insured. 16 Exports to USA/Cnd llty n respet of Injury loss or dmge used y or rsng from ny Produts exported y the Insured or wth ther knowledge to the Unted Sttes of Amer or Cnd. 17 Rdotve Contmnton loss or destruton of or dmge to ny property whtsoever or ny loss or expense whtsoever resultng or rsng therefrom or ny onsequentl loss or ny legl llty of whtsoever nture dretly or ndretly used y or ontruted to y or rsng from onsng rdtons or ontmnton y rdotvty from ny nuler fuel or from ny nuler wste from the omuston of nuler fuel the rdotve, tox, explosve or other hzrdous propertes of ny explosve nuler ssemly or nuler omponent thereof 18 Wr (Not pplle to Cover Event 1 - Employers Llty) loss, destruton, dmge, deth, njury, dslement or llty or ny onsequentl loss osoned y wr, nvson, t of foregn enemy hostltes (whether wr e delred or not), vl wr, reellon, revoluton, nsurreton or mltry or usurped power. 19 Compulsory Motor Insurne ny llty n respet of Injury to ny Employee rsng out of the ownershp possesson or use y or on ehlf of the Insured of ny mehnlly propelled vehle or trler tthed thereto f suh llty s requred y ny trff legslton to e the sujet of ompulsory nsurne or other seurty 20 Asestos llty n ny wy used y, rsng from or ontruted to y exposure to or nhlton of Asestos fer of the onsequenes of exposure to or nhlton of Asestos llty for the osts of mngement (nludng those of ny persons under ny sttutory duty to mnge), removl, repr, lterton, rell, replement or rensttement of ny property rsng out of the presene of Asestos 9

11 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Condtons 1 Fr Presentton of the Rsk The Insured must mke fr presentton of the rsk to the Insurer t nepton, renewl nd vrton of the Poly. The Insurer my vod the Poly nd refuse to py ny lms where ny flure to mke fr presentton s: delerte or rekless; or of suh other nture tht, f the Insured hd mde fr presentton, the Insurer would not hve ssued the Poly. The Insurer wll return the premum pd y the Insured unless the flure to mke fr presentton s delerte or rekless. If the Insurer would hve ssued the Poly on dfferent terms hd the Insured mde fr presentton, the Insurer wll not vod the Poly (exept where the flure s delerte or rekless) ut the Insurer my nsted: redue proportontely the mount pd or pyle on ny lm, the proporton for whh the Insurer s lle eng lulted y omprng the premum tully hrged s perentge of the premum whh the Insurer would hve hrged hd the Insured mde fr presentton; nd/or tret the Poly s f t hd nluded suh ddtonl terms (other thn those requrng pyment of premum) s the Insurer would hve mposed hd the Insured mde fr presentton. For the purposes of ths ondton referenes to: d vodng Poly mens tretng the Poly s f t hd not exsted from the nepton dte (where the flure to mke fr presentton of the rsk ours efore or t the nepton of the Poly), the renewl dte (where the flure ours t renewl of the Poly), or the vrton dte (where the flure ours when the Poly s vred); refunds of premum should e treted s refunds of premum k to the nepton dte, renewl dte or vrton dte s the ontext requres; ssung Poly should e treted s referenes to ssung the Poly t nepton, renewng or vryng the Poly s the ontext requres; premum should e treted s the premum pyle for the prtulr ontrt of nsurne whh s sujet to ths ondton (where there s more thn one ontrt of nsurne). 2 Resonle Preutons The Insured shll tke ll resonle preutons to prevent dents nd ny njury, loss, destruton or dmge nd shll tke ll resonle steps to oserve nd omply wth sttutory or lol uthorty lws, olgtons nd requrements. 3 Clms The Insured shll n the event of ny njury, loss, destruton, dmge or onsequentl loss s result of whh lm s or my e mde under ths Poly, nd gn upon reept y the Insured n wrtng of ny note of ny lm or legl proeedng d e f g h j notfy the Insurer s soon s resonly possle pss mmedtely, nd unknowledged, ny letter of lm to the Insurer notfy the Insurer mmedtely upon eng dvsed of ny proseuton, nquest or enqury onneted wth ny njury, destruton, dmge or onsequentl loss whh my form the sujet of lm under ths Poly notfy the pole s soon s t eomes evdent tht ny loss, destruton or dmge hs een used y theft or mlous dmge rry out nd permt to e tken ny ton whh my e resonly prtle to prevent further loss, destruton, dmge or onsequentl loss retn unltered nd unrepred nythng n ny wy onneted wth the njury, loss, destruton, dmge or onsequentl loss for s long s the Insurer my resonly requre furnsh wth ll resonle despth t the Insured s expense suh further prtulrs nd nformton s the Insurer my resonly requre mke vlle t the Insured s expense ny douments requred y the Insurer wth regrd to ny letter of lm not py or offer or gree to py ny money or mke ny dmsson of llty wthout the prevous onsent of the Insurer llow the Insurer n the nme of nd on ehlf of the Insured to tke over nd, durng suh perod s the Insurer thnk proper, to hve the solute ondut nd ontrol of ll negottons nd proeedngs whh my rse n respet of ny lm nd the settlement thereof nd o-operte fully wth the Insurer for tht purpose No lm under ths Poly shll e pyle unless the terms of ths Condton hve een ompled wth nd ny pyment on ount of lm lredy mde shll e repd to the Insurer. 10

12 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 4 Cnellton Other thn where Generl Condton 5 Frud pples the Insurer my nel ths Poly y gvng the Insured thrty (30) dys note t ther lst known ddress. Provded the premum hs een pd n full nd no lm hs een mde durng the Perod of Insurne, the Insured shll e enttled to proportonte rete of premum n respet of the unexpred perod of the nsurne. For nellton followng defult n pyment of the premum of ny greed nstlment the perod of note my e redued to fourteen (14) dys. 5 Frud If the Insured or nyone tng on the Insured's ehlf: d mkes ny flse or frudulent lm; mkes ny exggerted lm; supports lm y flse or frudulent douments, deves or sttements (whether or not the lm s tself genune); mkes lm for loss or dmge whh the Insured or nyone tng on the Insured's ehlf delertely used, the Insurer wll: refuse to py the whole of the lm; nd reover from the Insured ny sums tht t hs lredy pd n respet of the lm. The Insurer my lso notfy the Insured tht t wll e tretng the Poly s hvng termnted wth effet from the dte of the erlest of ny of the ts set out n su-luses ove. In tht event, the Insured wll: hve no over under the Poly from the dte of the termnton; nd not e enttled to ny refund of premum. 6 Dshrge of Llty The Insurer my t ny tme py to the Insured n onneton wth ny lm or seres of lms A or B or C the Lmt of Indemnty the Sum Insured lesser mount for whh suh lm or lms n e settled fter deduton of ny sums lredy pd. Upon suh pyment the Insurer shll relnqush the ondut nd ontrol of nd e under no further llty n respet of suh lm or lms exept for osts nd expenses whh the Insurer hve lredy greed to er nurred pror to the dte of suh pyment. 7 Loss Reduton Condtons If the Insured does not omply wth ny prt of ny ondton whh mkes pyment of lm ondtonl upon omplne wth t ( ondton preedent), the Insurer wll not py for ny lm, exept tht where the ondton onerned: opertes only n onneton wth prtulr premses or lotons, the Insurer wll py for lms rsng out of n event ourrng t other premses or lotons whh re not spefed n the ondton; opertes only t prtulr tmes, the Insurer wll py for ny lm where the Insured shows on the lne of proltes tht ts non-omplne wth the ondton dd not use or ontrute to the njury, loss, dmge or llty whh ourred; would, f ompled wth, tend to redue prtulr types of njury, loss, dmge or, s the ontext my requre llty, the Insurer wll py for ny lm where the Insured shows on the lne of proltes tht ts non-omplne wth the ondton dd not use or ontrute to the njury, loss, dmge or llty whh ourred. 8 Lw Applle to Contrt Unless greed otherwse y the Insurer the lnguge of the Poly nd ll ommuntons reltng to t wll e Englsh; nd ll spets of the Poly nludng negotton nd performne re sujet to Englsh lw nd the desons of Englsh ourts. 9. Rghts of Prtes A person or ompny who ws not prty to ths Poly hs no rght under the Contrts (Rghts of Thrd Prtes) At 1999 or ny susequent legslton to enfore ny term of ths Poly ut ths does not ffet ny rght or remedy of thrd prty whh exsts or s vlle prt from suh At. 10 Other Insurnes The Insurer wll not ndemnfy the Insured n respet of llty whh s nsured y or would ut for the exstene of ths Poly e nsured y ny other poly or seton exept n respet of ny exess eyond the mount pyle under suh other poly or seton or whh would hve een pyle under suh other poly or seton hd ths Poly not een effeted 11

13 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 11 Alterton n Rsk The Insured must notfy the Insurer s soon s possle f durng the Perod of Insurne there s ny lterton: n or to the Busness n the ownershp of the Insured to the fts or mtters set out n the Shedule or otherwse omprsng the rsk presentton mde y the Insured to the Insurer t nepton, renewl or vrton of the Poly whh mterlly nreses the rsk of legl llty to py osts nd expenses s nsured y the Poly. 12 Compulsory Insurne Legslton The Indemnty grnted y ths Poly n respet of Injury to ny Employee s deemed to e n ordne wth the provsons of ny lw reltng to ompulsory nsurne of llty to employees n the terrtores spefed n Defnton 11 ut the Insured shll repy to the Insurer ll sums pd y the Insurer whh t would not hve een lle to py ut for the provsons of suh lw 13 Certfte of Employers Llty If ths Poly s nelled ny ertfte of Employers Llty nsurne hereunder s smlrly nelled from the sme dte Upon eng notfed of ny suh lterton, the Insurer my, t ts solute dsreton d e ontnue to provde over under ths Poly on the sme terms restrt the over provded under ths poly mpose ddtonl terms lter the premum nel the Poly. If the Insured fls to notfy the Insurer of ny suh lterton, the Insurer my tret the Poly s f t hd ome to n end s t the dte of the lterton of the rsk, returnng proportonte mount of the premum for the unexpred Perod of Insurne, f the Insurer would hve nelled the Poly hd t known of the nrese n rsk tret the Poly s f t hd ontned suh terms (other thn reltng to premum) or other restrtons (f ny) from the dte of the lterton n rsk s the Insurer would hve ppled hd t known of the nrese n rsk redue proportontely the mount pd or pyle on ny lm, the proporton for whh the Insurer s lle eng lulted y omprng the premum tully hrged s perentge of the premum whh the Insurer would hve hrged hd t known of the nrese n rsk. 12

14 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Complnts Our m s to get t rght, frst tme every tme. If you hve omplnt we wll try to resolve t strght wy ut f we re unle to we wll onfrm we hve reeved your omplnt wthn fve workng dys nd do our est to resolve the prolem wthn four weeks. If we nnot we wll let you know when n nswer my e expeted. If we hve not resolved the stuton wthn eght weeks we wll ssue you wth nformton out the Fnnl Omudsmn Serve (FOS) whh offers free, ndependent omplnt resoluton serve. If you hve omplnt, plese ontt our Customer Stsfton Mnger t: Customer Stsfton Mnger Allnz Insurne pl 57 Ldymed Guldford Surrey GU1 1DB Telephone numer: Fx Numer: Eml: sm@llnz.o.uk Usng our omplnts proedure or onttng the FOS does not ffet your legl rghts. The Europen Commsson hs n onlne dspute resoluton serve for onsumers who hve omplnt out produt or serve ought onlne. If you hoose to sumt your omplnt ths wy t wll e forwrded to the Fnnl Omudsmn Serve. Vst to ess the Onlne Dspute Resoluton Serve. Plese quote our e-ml ddress: sm@llnz.o.uk Alterntvely, you n ontt the Fnnl Omudsmn Serve dretly. Fnnl Serves Compenston Sheme Allnz Insurne pl ontrutes to the Fnnl Serves Compenston Sheme (FSCS). The Insured my e enttled to ompenston from the FSCS f the Insurer s unle to meet ts lltes. Further nformton out ompenston sheme rrngements s vlle t y emlng enqures@fss.org.uk or y phonng the FSCS on or You hve the rght to refer your omplnt to the Fnnl Omudsmn, free of hrge ut you must do so wthn sx months of the dte of the fnl response letter. If you do not refer your omplnt n tme, the Omudsmn wll not hve our permsson to onsder your omplnt nd so wll only e le to do so n very lmted rumstnes. For exmple, f the Omudsmn eleves tht the dely ws s result of exeptonl rumstnes. The Fnnl Omudsmn Serve Exhnge Tower London E14 9SR Weste: Telephone: or Eml: omplnt.nfo@fnnl-omudsmn.org.uk 13

15 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Fr Proessng Note how we use personl nformton 1. Who we re When we refer to we, us nd our n ths note t mens Allnz Insurne pl or Allnz Engneerng Inspeton Serves Lmted. When we sy, ndvduls n ths note, we men nyone whose personl nformton we my ollet, nludng: nyone seekng n nsurne quote from us or whose detls re provded durng the quotton proess polyholders nd nyone nmed on or overed y the poly nyone who my eneft from or e dretly nvolved n the poly or lm, nludng lmnts nd wtnesses. 2. How we use personl nformton We use personl nformton n the followng wys: to provde quotes, dmnster poles nd polyholder lms to fulfl our ontrt to dmnster thrd prty lms nd prevent fnnl rme to meet our legl olgtons to mnge our usness nd ondut mrket reserh to meet the legtmte needs of our usness to send mrketng nformton out our produts nd serves f we hve reeved spef onsent. There s no olgton to provde us wth personl nformton, ut we nnot provde our produts nd serves wthout t. Anyone whose personl nformton we hold hs the rght to ojet to us usng t. They n do ths t ny tme y tellng us nd we wll onsder the request nd ether stop usng ther personl nformton or expln why we re not le to. Further detls n e found elow. 3. Automted deson mkng, nludng proflng We my use utomted deson mkng, nludng proflng, to ssess nsurne rsks nd dmnster poles. Ths helps us dede whether to offer nsurne, determne pres nd vldte lms. 4. The personl nformton we ollet We ollet the followng types of personl nformton so we n omplete the tvtes n seton 2, How we use personl nformton : s personl detls suh s nme, ge, ddress nd gender fmly, lfestyle nd sol rumstnes, suh s mrtl sttus, dependnts nd employment type fnnl detls suh s dret det or pyment rd nformton photogrphs nd/or vdeo to help us mnge poles nd ssess lms trkng nd loton nformton f t s relevnt to the nsurne poly or lm dentfton heks nd kground nsurne rsk detls nludng prevous lms nformton medl nformton f t s relevnt to the nsurne poly or lm rmnl onvtons f t s relevnt to the nsurne poly or lm esslty detls f we need to mke resonle djustments to help usness tvtes suh s goods nd serves offered. 5. Where we ollet personl nformton Dret from ndvduls, ther representtves or nformton they hve mde pul, for exmple, on sol med. From other persons or orgnstons, for exmple: redt referene nd/or frud preventon genes emergeny serves, lw enforement genes, medl nd legl prtes nsurne ndustry regsters nd dtses used to detet nd prevent nsurne frud, for exmple, the Motor Insurne Dtse (MID), the Motor Insurers Ant-Frud nd Theft Regster (MIAFTR) nd the Clms nd Underwrtng Exhnge (CUE) nsurne nvestgtors nd lms serve provders other nsurers or serve provders who underwrte the nsurne or provde the serves for our produts other nvolved prtes, for exmple, lmnts or wtnesses. Anyone sujet to n utomted deson hs the rght to ojet to t. To do so they should ontt us y emlng us t sm@llnz.o.uk nd we wll revew the deson. 14

16 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng 6. Shrng personl nformton We my shre personl nformton wth: other ompnes wthn the glol Allnz Group redt referene, frud preventon nd other genes tht rry out ertn tvtes on our ehlf, for exmple, the Motor Insurne Dtse (MID), the Insurne Frud Bureu (IFB) nd mrketng genes f greed our pproved supplers to help del wth lms or provde our eneft serves, for exmple, vehle reprers, legl dvsors nd loss djusters other nsurers, thrd prty underwrters, rensurers, nsurne ntermedres, regultors, lw enforement nd the Fnnl Omudsmn Serve (FOS); nd other ompnes tht provde serves to us or you, for exmple, the Employers Llty Trng Offe (ELTO) nd the Clms nd Underwrtng Exhnge (CUE) prospetve uyers n the event tht we wsh to sell ll or prt of our usness. 7. Trnsferrng personl nformton outsde the UK We use servers loted n the Europen Unon (EU) to store personl nformton where t s proteted y lws equvlent to those n the UK. We my trnsfer personl nformton to other memers of the glol Allnz Group to mnge the nsurne poly or lm; ths ould e nsde or outsde the EU. We hve Bndng Corporte Rules (BCR s) whh re our ommtment to the sme hgh level of proteton for personl nformton regrdless of where t s proessed. These rules lgn wth those requred y the Europen Informton Proteton uthortes. For more nformton out BCR s, ontt our Dt Proteton Offer. Some of our supplers hve servers outsde the EU. Our ontrts wth these supplers requre them to provde equvlent levels of proteton for personl nformton. 8. How long we keep personl nformton We keep nformton only for s long s we need t to dmnster the poly, mnge our usness or s requred y lw or ontrt. 9. Know your rghts Any ndvdul whose personl nformton we hold hs the rght to: ojet to us proessng t. We wll ether gree to stop proessng or expln why we re unle to (the rght to ojet) sk for opy of ther personl nformton we hold, sujet to ertn exemptons ( dt sujet ess request) sk us to updte or orret ther personl nformton to ensure ts ury (the rght of retfton) sk us to delete ther personl nformton from our reords f t s no longer needed for the orgnl purpose (the rght to e forgotten) sk us to restrt the proessng of ther personl nformton n ertn rumstnes (the rght of restrton) sk for opy of ther personl nformton, so t n e used for ther own purposes (the rght to dt portlty) ompln f they feel ther personl nformton hs een mshndled. We enourge ndvduls to ome to us n the frst nstne ut they re enttled to ompln dretly to the Informton Commssoner s Offe (ICO) sk us, t ny tme, to stop proessng ther personl nformton, f the proessng s sed only on ndvdul onsent (the rght to wthdrw onsent). If you wsh to exerse ny of these rghts plese ontt our Customer Stsfton Mnger: Address: Customer Stsfton Mnger, Allnz, 57 Ldymed, Guldford, Surrey, GU1 1DB Eml: sm@llnz.o.uk Phone: Allnz (UK) Group Dt Proteton Offer Contt detls Allnz Insurne pl nd Allnz Engneerng Inspeton Serves Lmted re ompnes wthn the Allnz Holdngs. Any queres out how we use personl nformton should e ddressed to our Dt Proteton Offer: Address: Dt Proteton Offer, Allnz, 57 Ldymed, Guldford, Surrey GU1 1DB Eml: dtprotetonoffer@llnz.o.uk Phone:

17 Wrghtsure Llty Plus Employers Llty nd Pul nd Produts Llty Poly Wordng Chnges to our Fr Proessng Note Osonlly t my e neessry to mke hnges to ths fr proessng note. When tht hppens we wll provde n updted verson t the erlest opportunty. The most reent verson wll lwys e vlle on our weste Consent for Spel Ctegores of Personl Dt The glol Allnz Group my need to ollet nd proess dt reltng to ndvduls who my eneft from the poly ( Insured Persons ), whh flls wthn the spel tegores of personl dt under Dt Proteton Legslton, for exmple, medl hstory or onvtons of Insured Persons for the purpose of evlutng the rsk nd/or dmnsterng lms whh my our. You must ensure tht you hve explt verl or wrtten onsent from the Insured Persons to suh nformton eng proessed y the glol Allnz Group nd tht ths ft s mde known to the Insured Persons. By pplyng for nd/or enterng nto ths nsurne poly you wll e deemed to speflly onsent to the use of the Insured Persons Personl Dt n ths wy nd for these purposes nd tht your dretors, offers, prtners, nd employees hve onsented to the glol Allnz Group usng ther detls n ths wy. Employers Llty Trng Offe If your poly provdes Employers Llty over nformton reltng to your nsurne poly wll e provded to the Employers Llty Trng Offe (the ELTO ) nd dded to n eletron dtse, (the Dtse ) n formt set out y the Employer s Llty Insurne: Dslosure y Insurers Instrument The Dtse sssts ndvdul onsumer lmnts who hve suffered n employment relted njury or dsese rsng out of ther ourse of employment n the UK whlst workng for employers rryng on, or who rred on, usness n the UK nd s result re overed y the employers llty nsurne of ther employers, (the Clmnts ): I. to dentfy whh nsurer (or nsurers) ws (or were) provdng employers llty over durng the relevnt perods of employment; nd II. to dentfy the relevnt employers llty nsurne poles. The Dtse nd the dt stored on t my e essed nd used y the Clmnts, ther pponted representtves, nsurers wth potentl llty for UK ommerl lnes employers llty nsurne over nd ny other persons or enttes permtted y lw. The Dtse wll e mnged y the ELTO nd further nformton n e found on the ELTO weste 16

18 Ths pge s left ntentonlly lnk

19 Ths pge s left ntentonlly lnk

20 Allnz Insurne pl. Regstered n Englnd numer Regstered offe: 57 Ldymed, Guldford, Surrey, GU1 1DB, Unted Kngdom. Allnz Insurne pl s uthorsed y the Prudentl Regulton Authorty nd regulted y the Fnnl Condut Authorty nd the Prudentl Regulton Authorty. Fnnl Serves Regster numer ACOMSC1067_