Self-Employed Office Policy. Your policy document

Transcription

1 Self-Employed Offce Polcy Your polcy document

2 Useful Telephone Numbers Clams Helplne (24 hours) The Clams helplne can be used by anyone wshng to report a clam on any of The Co-operatve commercal nsurance products. Legal and Tax Helplne (24 hours) Call ths helplne anytme, day or nght, for advce on any UK legal or tax matters. Gven n confdence, the advce s free - all you pay for s the prce of the call. Renewal Lne Phone ths number to enqure about renewng your polcy. Change of Polcy Detals Phone ths number f you have any questons about your nsurance or wsh to make any changes to your polcy. Marketng The nformaton you provde may also be used for research and marketng purposes by members of The Co-operatve Group. Therefore from tme to tme you may receve nformaton about specal offers, products or servces that we feel may be of nterest to you. If you do not wsh to receve such nformaton please telephone us on the above number. Telephone Call Recordng For our jont protecton telephone calls may be recorded and/or montored.

3 Introducton Thank You for choosng The Co-operatve Insurance as Your nsurer. Ths s Your Self-Employed polcy, settng out Your nsurance protecton n detal. Please read t carefully to make sure that t meets Your requrements and that the detals on the polcy Schedule are correct. Your premum has been based upon the nformaton shown n the polcy Schedule and recorded n Your statement of fact. If after readng Your polcy You have any questons, please contact Us. 1

4 Contents Ths polcy s made up of ndvdual Sectons. It should be read n conjuncton wth Your current Schedule whch ndcates the Secton You are Insured under and gves precse detals of Your nsurance protecton. The Contract of Insurance 3 Our promse to You 3 Our Promse of Servce 4 What to do f You have a complant 4 Important Informaton 5 Polcy Defntons 6 Asset Protecton 8 Property Damage 8 Money and Assault 12 Revenue Protecton 15 Busness Interrupton 15 Asset and Revenue Protecton 18 Terrorsm Secton 18 Legal Labltes 20 Employers Lablty 20 Publc and Products Lablty 23 Commercal Legal Protecton 28 Employee Benefts 36 Personal Accdent 36 Busness Travel 38 Polcy Exclusons 44 Polcy Condtons 47 2

5 The Contract of Insurance Your polcy s a contract between Us, The Co-operatve Insurance, and You, the Polcyholder. The statement of fact and declaraton whch You have accepted wll be the bass of the contract. In return for You havng pad or agreed to pay the premum, We wll ndemnfy You by payment or, at Our opton, by renstatement or repar n respect of loss, destructon, damage, accdent or njury, to the extent of and subject to the terms contaned n or endorsed on the polcy. IMPORTANT Ths polcy s a legal contract. You must tell Us about any facts or changes whch affect Your nsurance and whch have occurred ether snce the polcy started or snce the last renewal date. If You are not sure whether certan facts are relevant please ask Us. If You do not tell Us about relevant changes, Your polcy may not be vald or the polcy may not cover You fully. You should keep a wrtten record (ncludng copes of letters) of any nformaton You gve Us when You renew ths polcy. 3

6 Our Promse of Servce Our goal s to gve excellent servce to all Our customers but We recognse that thngs do go wrong occasonally. We take all complants We receve serously and am to resolve all of Our customers problems promptly. To ensure that We provde the knd of servce You expect We welcome Your feedback. We wll record and analyse Your comments to make sure We contnually mprove the servce We offer. What wll happen f You complan We wll acknowledge Your complant promptly. We am to resolve all complants as quckly as possble. Most of Our customers concerns can be resolved quckly but occasonally more detaled enqures are needed. If ths s lkely, We wll contact You wth an update wthn 10 workng days of recept and gve You an expected date of response. What to do f You are unhappy If You are unhappy wth any aspect of the handlng of Your nsurance We would encourage You, n the frst nstance, to seek resoluton by contactng The Co-operatve Insurance. You can wrte to The Co-operatve Commercal, PO Box 7594, PERTH, PH2 1FA or telephone , whchever suts You, and ask Your contact to revew the problem. If You are unhappy wth the outcome of Your complant You may refer the matter to the Fnancal Ombudsman Servce at: The Fnancal Ombudsman Servce Exchange Tower London E14 9SR Telephone: (free from landlnes) or Or smply log on to ther webste at Whlst We are bound by the decson of the Fnancal Ombudsman Servce, You are not. Followng the complants procedure does not affect Your rght to take legal acton. 4

7 Important Informaton Choce of Law The approprate law as set out below wll apply unless you and the nsurer agree otherwse: 1. The law applyng n that part of the UK, Channel Islands or Isle of Man n whch you normally lve or (f applcable) the frst named polcyholder normally lves; or 2. In the case of a busness, the law applyng n that part of the UK, Channel Islands or Isle of Man where t has ts prncpal place of busness; or Customers wth Dsabltes Ths polcy and other assocated documentaton s also avalable n large prnt, audo and Bralle. If you requre any of these formats please contact us. Use of Language Unless otherwse agreed, the contractual terms and condtons and other nformaton relatng to ths contract wll be n Englsh. 3. Should nether of the above be applcable, the law of England and Wales wll apply. Fnancal Servces Compensaton Scheme We are covered by the Fnancal Servces Compensaton Scheme (FSCS). You may be enttled to compensaton from ths scheme f we cannot meet our oblgatons. Ths depends on the type of busness and crcumstances of the clam. Further nformaton about compensaton scheme arrangements s avalable from the FSCS webste or wrte to Fnancal Servces Compensaton Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU. 5

8 Polcy Defntons Each tme We use one of the words or phrases lsted below, t wll have the same meanng wherever t appears n Your polcy unless We state otherwse. A defned word or phrase wll start wth a captal letter each tme t appears n the polcy except for headngs and ttles. Each Secton of the polcy contans defntons. They must be read n conjuncton wth the followng Polcy Defntons. Computer and Electronc Equpment All computers, computer nstallatons and systems, mcrochps, ntegrated crcuts, mcroprocessors, embedded systems, hardware, and any electronc equpment, data processng equpment, nformaton repostory, telecommuncaton equpment, computer controlled or programmed machnery, equpment capable of processng data and/or smlar devces, whether physcally or remotely connected thereto. Cyber Vandal The person or persons, whether dentfed or not, responsble for, or nvolved wth, creatng a Vrus or Smlar Mechansm or a Denal of Servce Attack, unauthorsed access to or use of Computer and Electronc Equpment. Data All nformaton whch s 1. electroncally stored, or 2. electroncally represented, or 3. contaned on any current and back-up dsks, tapes or other materals or devces used for the storage of data, ncludng but not lmted to operatng systems, records, programs, software or frmware, code or seres of nstructons. Data Storage Materals Any materals or devces used for the storage or representaton of Data ncludng but not lmted to dsks, tapes, CD-ROMs, DVDs, memory stcks, memory cards or other materals or devces whch may or may not also consttute Computer and Electronc Equpment. Denal of Servce Attack Any actons or nstructons wth the ablty to damage, nterfere wth, or otherwse affect the avalablty of Computer and Electronc Equpment or Data, ncludng but not lmted to the generaton of excess traffc nto network addresses, the explotaton of system or network weaknesses, and the generaton of excess or non genune traffc wthn, between or amongst networks. Employee Any person who s 1. under a contract of servce or apprentceshp wth You 2. borrowed by or hred to You 3. a labour master or suppled by a labour master 4. employed by labour only sub-contractors 5. self-employed 6. under a work experence or tranng scheme 7. regarded as beng n Your employment under the terms of any contract or agreement 8. a voluntary helper whle workng under Your control n connecton wth The Busness 9. an outworker or homeworker when engaged n work on Your behalf. Endorsement/Endorsements An alteraton to the terms of the polcy. Excess/Excesses The amount or amounts shown n Your polcy or the Schedule whch We deduct from each and every clam. Falure Any partal or complete reducton n the 1. performance, or 2. avalablty, or 3. functonalty, or 4. the ablty to recognse or process any date or tme, of any Computer and Electronc Equpment electronc means of communcaton web ste. 6

9 Loss of Data Physcal or electronc or other loss or destructon or alteraton or loss of use, whether permanent or temporary, of or damage to Data, of whatsoever nature, n whole or n part, ncludng, but not lmted to, Loss of Data resultng from loss or damage to Computers and Electronc Equpment or Data Storage Materals, ncludng whle stored on Data Storage Materals. Malcous Contngency 1. Rot, cvl commoton, strkers, locked out workers or persons takng part n labour dsturbances. 2. Malcous persons other than theves and Cyber Vandals. Money Current 1. con, bank and currency notes 2. postal and money orders, bankers drafts, cheques and gro cheques 3. crossed warrants, blls of exchange and securtes for money 4. postage, revenue, natonal nsurance and holday wth pay stamps 5. natonal nsurance and holday wth pay cards, natonal savngs certfcates, war bonds, premum savngs bonds and frankng machne mpressons 6. credt company sales vouchers, luncheon vouchers and tradng stamps 7. VAT nvoces. Perod of Insurance From the effectve date untl the expry date shown n the Schedule and any subsequent perod for whch We accept payment for renewal of ths polcy. Property Insured Property Insured as detaled n the Schedule. 5. Earthquake 6. Storm or food 7. Escape of water from any tank apparatus or ppe 8. Fallng trees 9. Impact 10. Escape of fuel from any fxed ol heatng nstallaton. The Busness Actvtes drectly connected wth The Busness descrbed n the statement of fact and specfed n the Schedule. The Premses The Premses as stated n the statement of fact and specfed n the Schedule. The Schedule The document whch specfes detals of the Polcyholder, The Premses, Property Insured and any Excess(es), Endorsements and Condtons applyng to the polcy. Vrus or Smlar Mechansm Program code, programmng nstructon or any set of nstructons wth the ablty to damage, nterfere wth, or otherwse adversely affect Computer and Electronc Equpment or Data, whether nvolvng self-replcaton or not, ncludng, but not lmted to trojan horses, worms and logc bombs. We/Us/Our/The Co-operatve Insurance CIS General Insurance Lmted. You/Your/Polcyholder The person, persons, company, companes, partnershp, partnershps or unncorporated assocaton named n the Schedule as Polcyholder. Schedule The document whch specfes detals of the Polcyholder, The Premses, Property Insured and any Excess(es), Endorsements and Condtons Precedent applyng to the polcy. Specfed Contngency 1. Fre 2. Lghtnng 3. Exploson 4. Arcraft and other aeral devces or artcles dropped from them 7

10 Asset Protecton Property Damage All Rsks Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton. Damage Loss, destructon or damage. Defned Contngences 1. Fre 2. Lghtnng or earthquake 3. Exploson 4. Arcraft 5. Rot, cvl commoton, strkers, locked out workers or persons takng part n labour dsturbances 6. Malcous persons other than theves 7. Storm or food 8. Escape of water from any tank, apparatus or ppe 9. Fallng trees or rado/tv aerals 10. Impact 11. Leakage of fuel 12. Theft or attempted theft. Property Damage Excess The amount (or amounts) shown n The Schedule whch We wll deduct from each and every clam at each separate premses. Cover We wll ndemnfy You n respect of Damage to the Property Insured at The Premses occurrng durng the Perod of Insurance. Exclusons (Also refer to the Polcy Defntons at the front of ths booklet). We wll not ndemnfy You n respect of 1. Damage caused by or consstng of (e) (f) an exstng or hdden defect n the property gradual deteroraton or wear and tear frost or change n the water table level faulty desgn of the Property Insured or faulty materals used n ts constructon faulty workmanshp, operatng error or omsson by You or any Employee the burstng of a boler other equpment where the nternal pressure s due to steam only and belongs to You or s under Your control. However, We wll ndemnfy You n respect of any subsequent Damage whch results from a cause not otherwse excluded. 2. Damage caused by or consstng of corroson, rust or rot v v change n v shrnkage, evaporaton or loss of weght dampness or dryness scratchng vermn or nsects temperature colour favour texture or fnsh npple or jont leakage or falure of welds crackng, fracturng, collapse or overheatng of a boler, vessel, machne or apparatus n whch nternal pressure s due to steam only and any assocated ppng mechancal or electrcal breakdown of the Property Insured. However, We wll ndemnfy You n respect of Damage not otherwse excluded whch tself results from a Defned Contngency or any other accdental cause any subsequent Damage whch tself results from a cause not otherwse excluded. 8

11 3. Damage caused by polluton or contamnaton. 9. Damage caused by theft or attempted theft However, We wll ndemnfy You n respect of Damage, not otherwse excluded, to the Property Insured caused by polluton or contamnaton whch results from a Defned Contngency a Defned Contngency whch results from polluton or contamnaton. 4. Damage caused by or consstng of not nvolvng entry nto or ext from buldngs by forcble or volent means by any person lawfully n The Premses where You or Your partners, drectors or Employees or any member of Your household s nvolved from any buldng or part of any buldng not capable of beng locked acts of fraud or dshonesty dsappearance unexplaned or nventory shortage msflng, msplacng of nformaton or clercal error. 5. Damage by fre to the Property Insured resultng from ts undergong any process nvolvng the applcaton of heat. 6. Damage to the Property Insured resultng from ts undergong any process of producton or packagng treatment, testng or commssonng servcng or repar. (e) from the open or from any yard, compound, garden or car park. 10. Damage to moveable property n the open by wnd ran, hal, sleet or snow food dust. 11. Damage to property more specfcally nsured. 12. the Property Damage Excess. 13. consequental loss or damage of any knd. However, We wll ndemnfy You n respect of ths Damage f t s caused by fre or exploson. 7. Damage to chna, earthenware, marble or other fragle objects (not ncludng stock n trade) structure caused by ts own collapse or crackng. However, We wll ndemnfy You n respect of ths Damage f t results from a Defned Contngency and s not otherwse excluded. (8) Damage to (e) (f) (g) (h) property n the course of constructon ncludng materals for use n the constructon lvestock growng crops or trees vehcles lcensed for road use ncludng accessores on or attached to them caravans or tralers ralway locomotves or rollng stock watercraft or arcraft land, roads or pavements, pers, jettes, brdges, culverts or excavatons. 9

12 Clauses 1. Automatc Renstatement of Sum Insured The Sums Insured stated n The Schedule wll not be reduced by the amount of any clam unless We or You gve notce to the contrary. You must pay the addtonal premum requred to renstate the Sums Insured. 2. Bass of Clam Settlement If Property Insured other than contractors tools, stock, Employees pedal cycles or personal belongngs s destroyed We wll pay for ts rebuldng or replacement by smlar property n a condton as good as, but not better than or more extensve than, ts condton when new. If such property s only partally destroyed, We wll pay for replacement or repar of the damaged porton to a condton as good as, but not better or more extensve than, ts condton when new. However, We wll not pay more than We would have done f the property had been completely destroyed. The property may be replaced on another ste and n a manner sutable to Your needs, but ths must not ncrease Our Lablty. All work must begn and be carred out as quckly as possble. We wll not pay under ths clause 3. All Other Contents Ths term ncludes untl You have ncurred the cost of replacng or reparng the property f You, or someone actng on Your behalf have nsured the property under another polcy whch does not have a smlar bass of renstatement f You do not comply wth any of the terms of ths clause. documents, manuscrpts and busness books computer systems records patterns, models, moulds, plans and desgns but only for We wll not pay for the value of the materals the cost of labour and computer tme spent n reproducng them. expenses n connecton wth producng nformaton to be recorded the value to You of any nformaton lost. (e) (f) Employee s pedal cycles and other personal belongngs but only f they are not otherwse nsured. The maxmum We wll pay for any one Employee s property s 500. vstor s personal belongngs. The maxmum that We wll pay for any one vstor s property s 500. trade samples and goods n trust held at The Premses. The maxmum We wll pay s Debrs Removal The Sum Insured for each tem, except on stock, ncludes costs and expenses You ncur, wth Our consent, for removal of debrs dsmantlng or demolshng shorng up or proppng of the parts of the property whch have suffered Damage nsured under ths Secton. We wll not ndemnfy You n respect of costs and expenses ncurred n removng debrs from anywhere other than the ste of the Damage and the area adjacent to t arsng from polluton or contamnaton of property not nsured under ths Secton more specfcally nsured. 5. Lmt of Lablty The maxmum We wll pay under ths Secton wll not exceed the Sums Insured stated n the Schedule. 6. Temporary Removal We wll ndemnfy You n respect of Damage as Insured under ths Secton to the Property Insured, whle temporarly removed elsewhere or n transt anywhere n Europe and for up to 30 days n each Perod of Insurance anywhere n the world. We wll not ndemnfy You n respect of Damage caused by theft or attempted theft from any unattended vehcle where and all doors and wndows have not been locked the vehcle s not garaged n a locked buldng or locked and secured n a fully enclosed yard or compound when left overnght 10

13 to property n any soft topped, open topped or open sded vehcle by storm or malcous persons or theft or attempted theft. 7. Damage Arsng From Personal Use of Property Insured We wll ndemnfy You n respect of Damage to Property Insured n the event that such Damage occurred whlst not n connecton wth The Busness provded that the Property Insured had been purchased for busness purposes. Endorsements and Condtons Ths Secton s subject to any Endorsements or Condtons whch are stated n The Schedule as applyng. (Also refer to the Polcy Condtons at the back of ths booklet). If n relaton to any clam You fal to fulfl any of the followng condtons, You wll lose Your rght to ndemnty or payment for that clam. 11

14 Money and Assault Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton. Bodly Injury Bodly Injury by volent and vsble means whch, drectly and ndependently of any other cause, results n death or dsablement. Busness Hours Your normal workng hours and any other perod durng whch You or any Employee entrusted wth Money s on the Premses n connecton wth The Busness. Insured Person You or Your drectors, prncpals or Employees aged between 16 and 65. Loss of Lmb 1. severance at or above the wrst or ankle Cover Money We wll ndemnfy You n respect of 1. loss of Money occurrng durng the Perod of Insurance, whch belongs to You or You are responsble for n connecton wth The Busness up to the Lmt Any One Loss set aganst each tem n the Specfcaton overleaf 2. loss or damage occurrng durng the Perod of Insurance to any case, bag or wastcoat used for carryng Money followng theft or attempted theft clothng and personal effects belongng to You, Your prncpals or any Employee up to a lmt of 500 per person followng theft or attempted theft away from The Premses. or 2. total and permanent loss of use of a hand, arm, foot or leg. 12

15 Specfcaton Item 1 Stamped Natonal Insurance Cards, crossed cheques, crossed gro cheques, crossed money orders, crossed postal orders, crossed bankers drafts, crossed warrants, natonal savngs certfcates, premum savngs bonds, frankng machne mpressons, credt company sales vouchers and VAT nvoces. 250,000 Lmt Any One Loss Item 2 - Money other than descrbed n Item 1 Lmt Any One Loss n transt or n a bank nght safe untl removed by a bank offcal on The Premses whlst You or any Employee s workng there at Your home or the home of any Employee or prncpal contaned n a locked safe on The Premses outsde Busness Hours. 1,000 1, ,000 Our lablty wll not exceed the lmts shown n the Specfcaton. Exclusons (Also refer to the Polcy Exclusons at the back of ths booklet). We wll not ndemnfy You n respect of 1. shortages due to clercal or accountng errors 2. loss due to the dshonesty of Your prncpals or any Employee 3. loss of Money from unattended vehcles 4. loss or damage outsde Great Brtan, Northern Ireland, the Republc of Ireland, the Channel Islands and the Isle of Man. not dscovered wthn 7 workng days of the loss where a more specfc nsurance s n force, except for any amount n excess of that nsurance 13

16 Cover Assault We wll pay compensaton to You for Bodly Injury to an Insured Person caused by theft or attempted theft, whch happens n the course of The Busness and results n any of the followng contngences 1. death - occurrng wthn 24 months of Bodly njury 2. total and permanent loss of sght n one or both eyes - occurrng wthn 24 months of Bodly njury 3. loss of one or more lmbs - occurrng wthn 24 months of Bodly njury 4. any other total and permanent dsablement whch, after 24 months of the occurrence, prevents the Insured Person from pursung any occupaton 5. total dsablement whch, wthn 24 months of Bodly Injury, prevents the Insured Person from pursung ther normal occupaton 6. partal dsablement whch, wthn 24 months of Bodly Injury, prevents the Insured Person from pursung a substantal part of ther normal occupaton. Clauses 1. Amounts Payable We wll pay weekly compensaton at 4 weekly ntervals compensaton under contngences 5 and 6 for a maxmum of 2 years from the date that the dsablement started weekly compensaton beng pad for the same njury wll end f We pay compensaton under any of contngences Medcal Evdence We may requre or an Insured Person to undergo medcal examnaton a post mortem to be carred out at Our expense. You, or Your legal representatve wll supply to Us, at Your expense, any certfcate nformaton evdence n the format We requre. Endorsements and Condtons Ths Secton s subject to any Endorsements or Condtons whch are stated n The Schedule as applyng. (Also refer to the Polcy Condtons at the back of ths booklet). If n relaton to any clam You fal to fulfl any of the followng condtons, You wll lose Your rght to ndemnty or payment for that clam. 1. Records and Key Securty You shall keep a complete record of Money n a dfferent secure place to where Money s kept. When The Premses are not occuped by You or an authorsed Employee You must keep the keys n a secure place away from the safe. nsurance wll end for the Insured Person f We pay compensaton under any of contngences 1-4 We wll pay the followng compensaton Contngency Number Compensaton 1. 10, , , , per week per week. 14

17 Revenue Protecton Busness Interrupton Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton. Notes 1. All terms n ths Secton exclude Value Added Tax to the extent that You are accountable to the Tax Authortes for Value Added Tax. 2. Any adjustment made for current cost accountng wll be gnored. Item on Increase n Cost of Workng Damage As descrbed n the Property Damage Secton. Premses Any Premses where You are conductng Your Busness wthn Great Brtan, Northern Ireland, the Isle of Man or the Channel Islands. Indemnty Perod The perod durng whch The Busness results are affected due to the Damage, startng from the date of the Damage and lastng no longer than the Maxmum Indemnty Perod. Maxmum Indemnty Perod The number of months stated n The Schedule. Item on Income Indemnty Perod The perod durng whch The Busness results are affected due to the Damage, startng from the date of the Damage and lastng no longer than the Maxmum Indemnty Perod. Maxmum Indemnty Perod The number of months stated n The Schedule. Cover Increase n Cost of Workng We wll ndemnfy You n respect of Your addtonal expendture whch has been reasonably and necessarly ncurred to contnue The Busness durng the Indemnty Perod, resultng from Damage occurrng durng the Perod of Insurance to property used by You at The Premses for the purpose of The Busness to the extent of Cover under the Property Damage Secton and where lablty s admtted under a polcy of nsurance coverng Your nterest n such property. The amount payable wll be 1. 25% of the Sum Insured durng the frst three months of the Indemnty Perod 2. for each subsequent month of the Indemnty Perod, an equal proporton of the balance of the Sum Insured 3. audtors or accountants charges reasonably ncurred for producng and certfyng detals of a clam under ths Secton less any savngs n expenses made due to the Damage. The total amount payable n respect of any one clam shall not exceed the Sum Insured stated n The Schedule at the tme of the Damage. Damage As descrbed n the Property Damage Secton. Premses Any Premses where You are conductng Your Busness wthn Great Brtan, Northern Ireland, the Isle of Man or the Channel Islands. Income The Money pad or payable to You 1. for goods sold or delvered less the purchase cost of stock or materals and/or 2. servces provded n the course of The Busness at The Premses. 15

18 Cover Income We wll ndemnfy You n respect of loss resultng from Damage occurrng durng the Perod of Insurance to property used by You at The Premses for the purpose of The Busness to the extent of Cover under the Property Damage Secton and where lablty s admtted under a polcy of nsurance coverng Your nterest n such Property Insured. The amount payable wll be 1. the amount by whch the Income falls short of the Income whch would have been receved durng the Indemnty Perod due to the Damage 2. any addtonal expense You ncur to prevent or lmt the reducton n Income durng the Indemnty Perod due to the Damage We wll not pay more than We would pay under 1 above 3. audtors or accountants charges reasonably ncurred for producng and certfyng detals of a clam under ths Secton less any savngs durng the Indemnty Perod n respect of busness charges or expenses payable out of Income whch reduce or stop due to the Damage. In addton the amount payable wll take nto account any Income receved durng the Indemnty Perod from conductng Your Busness elsewhere than at The Premses. Clauses We wll also ndemnfy You n respect of loss as nsured under ths Secton resultng from 1. Bolers Damage to bolers or other equpment n whch nternal pressure s due to steam only on The Premses. 2. Property n Transt Damage to Your property whlst n transt by road, ral or nland waterway n Great Brtan, Northern Ireland, the Isle of Man or the Channel Islands. (e) the exercse of any supply authorty s power to wthdraw or restrct supply ndustral acton drought. 4. Telecommuncatons Accdental falure of the supply of telecommuncaton servces at the ncomng lne termnals or recevers at The Premses. We wll not ndemnfy You n respect of (e) accdental falure caused by the delberate act of any supply authorty caused by the exercse of any supply authorty s power to wthdraw or restrct supply or servces caused by ndustral acton drought or other weather condtons unless equpment has been damaged lastng less than 24 consecutve hours. The maxmum We wll pay wll be Exclusons 100 for each day n respect of any one falure 2,500 n respect of all falures n any one Perod of Insurance. (Also refer to the Polcy Exclusons at the back of ths booklet). We wll not Indemnfy You f 1. The Busness s wound up or carred on by a lqudator or recever permanently dscontnued 2. Your nterest ceases otherwse than by Your death. However, We wll ndemnfy You f We ssue wrtten agreement statng otherwse. However, We wll not ndemnfy You n respect of Damage to any road or ral vehcle or waterborne craft. 3. Falure of Utltes Accdental falure of publc supples of electrcty or gas or water at the termnal ends of the publc supply undertakng s feed to The Premses. We wll not ndemnfy You n respect of accdental falure whch lasts less than 30 mnutes the delberate act of any supply authorty 16

19 Endorsements and Condtons The Secton s subject to any Endorsements or Condtons whch are stated n The Schedule as applyng. (Also refer to the Polcy Condtons at the back of ths booklet). If n relaton to any clam You fal to fulfl any of the followng condtons, You wll lose Your rght to ndemnty or payment for that clam. 1. Clams Procedure You must take any acton reasonably practcable to mnmse any nterrupton of or nterference wth The Busness or to avod or dmnsh the loss at Your expense, provde Us wth a wrtten Clam and detals of other nsurances coverng the Damage or loss resultng from t wthn 30 days after the expry of the Indemnty Perod or such further tme that We may allow books, records and documents We requre to assess Your clam repay Us, any payment on account We have already made, f You fal to comply wth ths condton. 17

20 Asset and Revenue Protecton Terrorsm Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton, unless an alternatve defnton s stated to apply. Act of Terrorsm Act of persons actng on behalf of or n connecton wth any organsaton whch carres out actvtes drected towards the overthrowng or nfuencng, by force or volence, of Her Majesty s government n the Unted Kngdom or any other government de jure or de facto. Denal of Servce Attack Any actons or nstructon constructed or generated wth the ablty to damage, nterfere wth or otherwse affect the avalablty of networks, network servces, network connectvty or nformaton systems. Excess/Excesses The amount or amounts shown n Your polcy or The Schedule whch We shall deduct from each and every clam at each separate locaton. You wll repay any such amount pad by us. Hackng Unauthorsed access to any computer or other equpment, component, system or tem whch processes, stores or retreves data whether the property of You or not. Head/Heads of Cover Any of the followng types of drect nsurance cover: 1. Buldngs and completed structures 2. Other property nsured hereunder 3. Busness Interrupton 4. Book Debts. Prvate Indvdual Any person other than 1. A company, assocaton or partnershp 2. A trustee or body of trustees where nsurance s arranged under the terms of a trust 3. A person who owns Resdental Property for the purpose of ther busness as a sole trader 4. A person who owns Resdental Property of whch n excess of 20% of the property s commercally occuped. Note: where the Resdental Property s occuped by a trustee or a sole trader as a prvate resdence and where the property s not a block of fats, each wll be deemed to be a Prvate Indvdual n respect of that same property; and where two or more persons have arranged nsurance on Resdental Property n ther several names and/or the name of the Polcyholder ncludes the name of a bank or a buldng socety or other fnancal nsttuton for the purpose of notng ther nterest n the property nsured, they wll be deemed to be a Prvate Indvdual n respect of that property. Resdental Property 1. Prvate dwellng houses and fats. 2. Household goods and personal effects. Treasury The Lords Commssoners of Her Majesty s Treasury from tme to tme or any successor relevant authorty. Vrus or Smlar Mechansm Program, code, programmng nstructon or any set of nstructons ntentonally constructed wth the ablty to damage, nterfere wth or otherwse adversely affect computer programs, data, fles or operatons whether nvolvng self-replcaton or not. Ths ncludes but s not lmted to trojan horses, worms and logc bombs. 18

21 Cover We wll ndemnfy You n respect of all losses arsng under any Head of Cover resultng from loss or destructon of or damage to property nsured under ths polcy drectly caused by an Act of Terrorsm occurrng durng the Perod of Insurance at The Premses but only n England, Wales and Scotland but not the terrtoral seas adjacent thereto as defned by the Terrtoral Sea Act 1987 nor the Isle of Man or the Channel Islands. The maxmum We wll pay under ths Secton n any one Perod of Insurance wll not exceed the lmt of lablty or Sum Insured for each of the Heads of Cover specfed n the Secton of ths Polcy where the Head of Cover s otherwse nsured. Exclusons The followng exclusons apply to ths Secton. 1. We wll not ndemnfy You n respect of any losses arsng under any Head of Cover drectly or ndrectly caused by or contrbuted to, by or arsng from or occasoned by or resultng from damage to any computer or other equpment, component, system or tem whch processes, stores, transmts or receves data or any part thereof whether tangble or ntangble (ncludng but wthout lmtaton any nformaton, programs or software) and whether Your property or not where such damage s caused by Vrus or Smlar Mechansm, Hackng or Denal of Servce Attack. rot, cvl commoton, war, nvason, act of foregn enemy hostltes (whether war be declared or not), cvl war, rebellon, revoluton, nsurrecton or mltary or usurped power. 2. We wll not ndemnfy You n respect of losses arsng under any Head of Cover as a result of loss or destructon of or damage to Resdental Property nsured n the name of a Prvate Indvdual. Condtons The followng condtons apply to ths Secton. any Long Term Undertakng and provdng that f there s confct between ths Secton and the rest of the Polcy, ths Secton shall preval. 2. We wll not ndemnfy You under ths Secton unless and untl The Treasury ssues a certfcate certfyng that any loss was caused by an Act of Terrorsm, as defned n ths Secton or n the event of the Treasury refusng to ssue such a certfcate a trbunal formed by agreement between Us and Pool Rensurance Company Lmted decdes that the cause of such loss was an Act of Terrorsm, as defned n ths Secton. 3. We may cancel the cover provded by ths Terrorsm Secton By sendng You 30 days wrtten notce to Your last known address. We wll refund a proportonate part of any premum pad for the unexpred perod. or Immedately f the premum has not been pad or f there has been a default under an nstalment or lnked credt agreement. We wll not refund any nstalment pad. 4. In any acton or sut or proceedngs where we allege that any loss s not covered by ths Secton the burden of provng that such loss s covered shall be upon You. Condtons Precedent It s a Condton Precedent to Our lablty that 1. You must declare to Us all property and/or premses owned by You or for whch You are responsble ncludng all such property and/or premses of subsdary companes unless t s the practce of any subsdary company to effect ts own nsurance 2. You must purchase Terrorsm nsurance from a Pool Rensurance Company Lmted member company n respect of all such property and/or premses. (Also refer to the Polcy Condtons at the back of ths booklet). 1. The nsurance provded by ths Secton s subject to all the Defntons, Condtons, Clauses, Endorsements and Condtons Precedent of the Sectons of ths Polcy where the Head of Cover s otherwse nsured together wth the Polcy Defntons, Condtons Precedent and Polcy Condtons except any whch provde for adjustments of premum any aggregate lmt on the amount borne by You as a result of the operaton of an Excess any provson for the automatc renstatement of sums nsured 19

22 Legal Labltes Employers Lablty Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton. Bodly Injury Bodly njury ncludng death, llness, dsease or nervous shock. Compensaton Damages, ncludng nterest. Costs and Expenses 1. fees for The Insured s legal representaton at any Coroner s Inquest or Fatal Accdent Enqury proceedngs n any Court of Summary Jursdcton arsng out of any alleged breach of statutory duty 2. costs and expenses ncurred wth Our wrtten consent 3. any clamant s legal costs for whch The Insured s legally lable n connecton wth any event whch s or may be the subject of ndemnty under ths Secton. The Defned Terrtores Great Brtan, Northern Ireland, the Isle of Man, the Channel Islands or offshore nstallatons wthn the Contnental Shelf around such terrtores. The Insured 1. You. 2. Your personal representatves n respect of legal lablty You ncur. 3. At Your request any drector, partner, or Employee of Yours the offcers, commttees and members of Your canteen, socal, sports, educatonal and welfare organsatons frst ad, fre, securty and ambulance servces n ther respectve capactes as such any prncpal for whom You are carryng out a contract, to the extent requred by the contract condtons those who hre plant to You to the extent requred by the hrng condtons or the personal representatves of any of these persons n respect of legal lablty for whch You would have been enttled to ndemnty f the clam had been made aganst You. Each ndemnfed party wll be subject to the terms of ths Secton so far as they apply. The total amount whch We wll pay wll not exceed The Lmt of Indemnty regardless of the number of partes clamng to be ndemnfed. The Lmt of Indemnty The maxmum amount, stated n The Schedule, ncludng Costs and Expenses, whch We wll pay n respect of any one clam or seres of clams arsng out of one cause. The Terrtoral Lmts Anywhere n the world n connecton wth The Busness conducted by You from premses wthn The Defned Terrtores. We wll not provde ndemnty n respect of Bodly Injury to 1. any Employee engaged by You outsde The Defned Terrtores for the purpose of work 2. by any such Employee outsde The Defned Terrtores. Cover We wll ndemnfy The Insured aganst 1. legal lablty to pay Compensaton and 2. Costs and Expenses n respect of Bodly Injury sustaned by any Employee arsng out of and n the course of employment by You n The Busness and caused durng the Perod of Insurance and wthn The Terrtoral Lmts. The maxmum We wll pay s The Lmt of Indemnty. Clauses 1. Addtonal Actvtes The Busness ncludes (e) (f) ownershp, use and upkeep of Your Premses upkeep of vehcles and plant owned and used by You canteen, socal, sports, educatonal and welfare organsatons for the beneft of any Employee Your frst ad, fre, securty and ambulance servces Your partcpaton n exhbtons prvate work by any Employee, wth Your pror consent, for You or any drector, partner or Employee of Yours. 20

23 2. Contractual Lablty We wll ndemnfy The Insured n respect of lablty for Bodly Injury mposed on You solely by reason of the terms of any agreement provded that the conduct and control of any clam s vested n Us. We wll not provde ndemnty n respect of any agreement for or ncludng the performance of work outsde The Defned Terrtores. 3. Cross Labltes We wll ndemnfy each party named as the Polcyholder n The Schedule as f a separate polcy had been ssued to each. The total amount payable wll not exceed The Lmt of Indemnty regardless of the number of partes clamng to be ndemnfed. 4. Legal Expenses arsng from Health and Safety Legslaton We wll ndemnfy The Insured n respect of legal fees and expenses ncurred wth Our wrtten consent for defendng proceedngs, ncludng appeals costs of prosecuton awarded aganst The Insured whch arse from any health and safety nqury or crmnal proceedngs for any breach of the Health and Safety at Work etc Act 1974 or the Health and Safety at Work (Northern Ireland) Order We wll not provde ndemnty 6. Payment for Court Attendance We wll compensate You f, at Our request, You, any drector, partner or Employee of Yours s attendng court as a wtness n connecton wth a clam for whch The Insured s enttled to ndemnty. The maxmum We wll pay for You, each drector or partner s 250 per day for each Employee s 150 per day. 7. Unsatsfed Court Judgments We wll, at Your request, pay any Employee or hs or her personal representatve, the amount of and damages costs awarded to such person as a result of a judgment whch has been obtaned for Bodly Injury aganst any company regstered n or any ndvdual domcled n The Defned Terrtores and whch reman unpad sx months after the date of such judgment. Payment wll only be made where the Bodly Injury was sustaned by the Employee arsng out of and n the course of employment by You n The Busness and was caused durng any Perod of Insurance 1. unless the proceedngs relate to an actual or alleged act, omsson or ncdent commtted durng The Perod of Insurance wthn The Defned Terrtores and n connecton wth The Busness 2. n respect of proceedngs whch result from any delberate act or omsson by You the judgment was obtaned n a court wthn The Defned Terrtores there s no appeal outstandng to the judgment the Employee, or hs or her personal representatve, assgns the judgment debt to Us. relate to the health and safety of any person other than an Employee 3. where ndemnty s provded by another nsurance polcy. 5. Our Rght of Recovery The ndemnty granted by ths Secton s deemed to be n accordance wth the provsons of any law relatng to the compulsory nsurance of lablty to Employees n Great Brtan, Northern Ireland, the Isle of Man or the Channel Islands. However, You wll repay to Us all sums We would not have been lable to pay but for the provsons of such law. 21

24 8. Legal Expenses arsng from Corporate Manslaughter and Corporate Homcde Act 2007 We wll ndemnfy You n respect of 1. legal fees and expenses ncurred wth Our wrtten consent for defendng proceedngs, ncludng appeals 2. costs of prosecuton awarded aganst You whch arse from crmnal proceedngs for any offence as defned n Secton 1 of the Corporate Manslaughter and Corporate Homcde Act We wll not provde ndemnty 1. unless the proceedngs relate to an actual or alleged offence commtted durng the Perod of Insurance wthn The Defned Terrtores and n connecton wth The Busness 2. n respect of proceedngs whch 3. n respect of any result from any delberate act or omsson by You relate to any person other than an Employee fnes remedal or publcty orders or any steps requred to be taken by such orders 4. where ndemnty s provded by another nsurance polcy. Exclusons (Also refer to the Polcy Exclusons at the back of ths booklet). We wll not provde ndemnty n respect of 1. work n or on and travel to, from or wthn any offshore accommodaton, exploraton, drllng or producton rg or platform support vessel 2. Bodly Injury sustaned by any Employee when such person s carred n or upon a vehcle enterng or gettng on to, or alghtng from, a vehcle where any road traffc legslaton requres nsurance or securty 3. lqudated damages penalty clauses fnes aggravated, resttutonary, puntve or exemplary damages or any addtonal damages resultng from the multplcaton of compensatory damages or other non-compensatory damages. Endorsements and Condtons Ths Secton s subject to any Endorsements and Condtons whch are stated n The Schedule as applyng to ths Secton. (Also refer to the Polcy Condtons at the back of ths booklet). If n relaton to any clam You fal to fulfl any of the followng condtons, You wll lose Your rght to ndemnty or payment for that clam. 22

25 Publc and Products Lablty Secton Defntons (Also refer to the Polcy Defntons at the front of ths booklet). The followng defntons apply to ths Secton and shall keep the same meanng wherever they appear n the Secton. Asbestos Asbestos, asbestos fbres or any dervatves of asbestos. Bodly Injury Bodly njury ncludng death, llness, dsease or nervous shock. Compensaton Damages, ncludng nterest. Costs and Expenses 1. fees for The Insured s legal representaton at any Coroner s Inquest or Fatal Accdent Enqury or proceedngs n any Court of Summary Jursdcton arsng out of any alleged breach of statutory duty 2. costs and expenses ncurred wth Our wrtten consent 3. any clamant s legal costs for whch The Insured s legally lable n connecton wth any event whch s or may be the subject of ndemnty under ths Secton. Damage Physcal 1. loss 2. destructon 3. damage. Personal Injury 1. Bodly Injury 2. wrongful arrest, detenton or mprsonment evcton accusaton of shoplftng. Polluton or Contamnaton 1. Polluton or contamnaton of buldngs or other structures or of water or land or the atmosphere and 2. all loss, Damage to Property or Bodly Injury drectly or ndrectly caused by such polluton or contamnaton. Products Suppled Anythng whch s 1. manufactured, sold, suppled, processed, altered or treated 2. repared, servced or tested 3. nstalled, constructed, erected or transported by You or on Your behalf and whch s no longer n the custody or control of The Insured. Property Materal property. The Defned Terrtores Great Brtan, Northern Ireland, the Isle of Man, the Channel Islands or offshore nstallatons wthn the Contnental Shelf around such terrtores. The Insured 1. You. 2. Your personal representatves n respect of legal lablty You ncur. 3. at Your request any drector, partner, or Employee of Yours the offcers, commttees and members of Your canteen, socal, sports, educatonal and welfare organsatons frst ad, fre, securty and ambulance servces n ther respectve capactes as such any prncpal for whom You are carryng out a contract, to the extent requred by the contract condtons those who hre plant to You to the extent requred by the hrng condtons or the personal representatves of any of these persons n respect of legal lablty for whch You would have been enttled to ndemnty f the clam had been made aganst You. Each ndemnfed party wll be subject to the terms of ths Secton so far as they apply. The total amount whch We wll pay wll not exceed The Lmt of Indemnty regardless of the number of partes clamng to be ndemnfed. 23

26 The Lmt of Indemnty The maxmum amount, stated n The Schedule, whch We wll pay n respect of any one event or all events of a seres consequent on or attrbutable to one orgnal cause. In respect of Products Suppled or Polluton or Contamnaton, The Lmt of Indemnty wll apply to the total of all events occurrng n any one Perod of Insurance. The Terrtoral Lmts Anywhere n the world n connecton wth The Busness conducted by You from Premses wthn The Defned Terrtores. The Works All works completed or to be completed by You or on Your behalf ncludng 1. all materals ncorporated or to be ncorporated 2. plant, tools, equpment and temporary buldngs used or to be used for the perod durng whch Your are responsble under contract condtons. Cover We wll ndemnfy The Insured aganst 1. Legal lablty to pay Compensaton and 2. Costs and Expenses n respect of accdental Personal Injury Damage to Property obstructon, trespass, nusance or nterference wth any rght of way, ar, lght or water whch arses n connecton wth The Busness and whch happens durng the Perod of Insurance and wthn The Terrtoral Lmts. The maxmum We wll pay s the Lmt of Indemnty and any Costs and Expenses. However, n respect of any clam brought n 1. the Unted States of Amerca or any terrtory wthn ts jursdcton or 2. Canada the maxmum We wll pay, nclusve of Costs and Expenses, s The Lmt of Indemnty. Clauses 1. Addtonal Actvtes The Busness ncludes (e) (f) ownershp, use and upkeep of Your Premses upkeep of vehcles and plant whch are owned and used by You canteen, socal, sports, educatonal and welfare organsatons for the beneft of any Employee Your frst ad, fre, securty and ambulance servces Your partcpaton n exhbtons prvate work by any Employee, wth Your pror consent, for You or any drector, partner or Employee. 2. Legal Expenses arsng from Consumer Protecton Act 1987 and Food Safety Act 1990 We wll ndemnfy The Insured n respect of legal fees and expenses ncurred wth Our wrtten consent for defendng proceedngs, ncludng appeals costs of prosecuton awarded aganst The Insured whch arse from crmnal proceedngs for any breach of Part ll of the Consumer Protecton Act 1987 or Part II of the Food Safety Act We wll not provde ndemnty 1. unless the proceedngs relate to an actual or alleged act, omsson or ncdent commtted durng the Perod of Insurance wthn The Defned Terrtores and n connecton wth The Busness 2. n respect of proceedngs whch result from any delberate act or omsson by You 3. where ndemnty s provded by another nsurance polcy. 3. Contractual Lablty We wll ndemnfy The Insured aganst lablty n respect of accdental Bodly Injury or Damage to Property mposed on You solely by reason of the terms of any agreement provded that the conduct and control of any clam s vested n Us. We wll not provde ndemnty n respect of any agreement for or ncludng the performance of work outsde The Defned Terrtores. 4. Cross Labltes We wll ndemnfy each party named as the Polcyholder n The Schedule as f a separate polcy had been ssued to each. The total amount payable wll not exceed The Lmt of Indemnty regardless of the number of partes clamng to be ndemnfed. 24

27 5. Defectve Premses We wll ndemnfy The Insured n respect of legal lablty n respect of accdental Bodly Injury or Damage to Property arsng under the Defectve Premses Act 1972 the Defectve Premses (Northern Ireland) Order 1975 or the Defectve Premses (Landlord s Lablty) Act (Northern Ireland) 2001 n connecton wth any premses whch You prevously owned or occuped for the purposes of The Busness. We wll not provde ndemnty n respect of the cost of rectfyng any defect or alleged defect n such premses. 6. Employees and Vstors Personal Belongngs We wll ndemnfy The Insured n respect of legal lablty for accdental Damage to Employees and vstors vehcles or personal belongngs whch are n the custody or control of The Insured. We wll not provde ndemnty where ths Property s 1. loaned, leased, hred or rented to The Insured 2. stored for a fee or other consderaton by The Insured 3. n the custody or control of The Insured for the purposes of beng worked upon. 7. Legal Expenses arsng from Health and Safety Legslaton We wll ndemnfy The Insured n respect of legal fees and expenses ncurred wth Our wrtten consent for defendng proceedngs, ncludng appeals costs of prosecuton awarded aganst The Insured whch arse from any health and safety nqury or crmnal proceedngs for any breach of the Health and Safety at Work Act 1974 or the Health and Safety at Work (Northern Ireland) Order We wll not provde ndemnty 1. unless the proceedngs relate to an actual or alleged act, omsson or ncdent commtted durng the Perod of Insurance wthn The Defned Terrtores and n connecton wth The Busness 8. Hred or Rented Premses We wll ndemnfy The Insured n respect of legal lablty for accdental Damage to Premses (ncludng fxtures and fttngs) wthn The Defned Terrtores whch You hre, rent or loan n connecton wth The Busness. We wll not provde ndemnty n respect of 1. the frst 250 of Compensaton Costs and Expenses n respect of each occurrence of such Damage caused other than by fre or exploson 2. lablty mposed on You solely by reason of the terms of the hrng or rentng agreement 3. Damage caused by fre or any other perl aganst whch the hrng or rentng agreement specfes that nsurance s taken out by You or on Your behalf. 9. Motor Contngent Lablty We wll ndemnfy You n respect of Your legal lablty for accdental Bodly Injury and/or Damage to Property whch arses from any vehcle or traler attached thereto whch s not owned by, loaned, leased, hred or rented to You nor provded by You and whch s beng used n connecton wth The Busness n The Defned Terrtores. We wll not provde ndemnty 1. n respect of Damage to the vehcle or traler or goods carred n or on the vehcle or traler 2. whle the vehcle s beng drven by You any person who to Your knowledge or that of Your representatves does not hold a lcence to drve the vehcle unless such person has held and s not dsqualfed from holdng or obtanng such a lcence 3. where ndemnty s provded by another nsurance polcy. 2. n respect of proceedngs whch result from any delberate act or omsson by You relate to the health and safety of any Employee 3. where ndemnty s provded by another nsurance polcy. 25