Self-Employed Tradesman Policy. Your policy document

Transcription

1 Self-Employed Tradesman Polcy Your polcy document

2 Useful Telephone Numbers Clams Helplne (24 hours) The Clams helplne can be used by anyone wshng to rept a clam on any of The Co-operatve commercal nsurance products. Legal and Tax Helplne (24 hours) Call ths helplne anytme, day nght, f advce on any UK legal tax matters. Gven n confdence, the advce s free - all You pay f 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 wsh to make any changes to your polcy. Marketng The nfmaton you provde may also be used f research and marketng purposes by members of The Co-operatve Group. Therefe from tme to tme you may receve nfmaton about specal offers, products servces that we feel may be of nterest to you. If you do not wsh to receve such nfmaton please telephone us on the above number. Telephone Call Recdng F our jont protecton telephone calls may be recded and/ monted.

3 Introducton Thank You f choosng The Co-operatve Insurance as Your nsurer. Ths s Your Self-employed Tradesman 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 crect. Your premum has been based upon the nfmaton shown n the polcy Schedule and recded 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 Imptant Infmaton 5 Polcy Defntons 6 Asset Protecton 8 Property Damage 8 Money and Assault 11 Contract Wks 14 Revenue Protecton 17 Busness Interrupton 17 Terrsm 19 Terrsm Secton 19 Legal Labltes 21 Employers Lablty 21 Publc and Products Lablty 24 Commercal Legal Protecton 29 Employee Benefts 37 Personal Accdent 37 Busness Travel 39 Polcy Exclusons 45 Polcy Condtons 48 2

5 The Contract of Insurance Your polcy s a contract between Us, CIS General Insurance Lmted and You, the Polcyholder. The statement of fact and declaraton whch You have accepted wll be the bass of the contract. In return f You havng pad agreed to pay the premum, We wll ndemnfy You by payment, at Our opton, by renstatement repar n respect of loss, destructon, damage, accdent njury, to the extent of and subject to the terms contaned n endsed on the polcy. IMPORTANT Ths polcy s a legal contract. You must tell Us about any facts changes whch affect Your nsurance and whch have occurred ether snce the polcy started 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 the polcy may not cover You fully. You should keep a wrtten recd (ncludng copes of letters) of any nfmaton 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 recd 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 me detaled enqures are needed. If ths s lkely, We wll contact You wth an update wthn 10 wkng 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 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 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 Imptant Infmaton 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 Isle of Man n whch you nmally lve (f applcable) the frst named polcyholder nmally lves; 2. In the case of a busness, the law applyng n that part of the UK, Channel Islands Isle of Man where t has ts prncpal place of busness; Customers wth Dsabltes Ths polcy and other assocated documentaton s also avalable n large prnt, audo and Bralle. If you requre any of these fmats please contact us. Use of Language Unless otherwse agreed, the contractual terms and condtons and other nfmaton 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 members of the Fnancal Servces Compensaton Scheme (FSCS). You may be enttled to compensaton from ths scheme f we cannot meet our oblgatons, dependng on the type of nsurance and the crcumstances of your clam. Further nfmaton about the scheme s avalable from the FSCS webste wrte to Fnancal Servces Compensaton Scheme, 10th Flo, Beauft House, 15 St Botolph Street, London, EC3A 7QU. 5

8 Polcy Defntons Each tme We use one of the wds phrases lsted below, t wll have the same meanng wherever t appears n Your polcy unless We state otherwse. A defned wd phrase wll start wth a captal letter each tme t appears n the polcy except f 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, mcroprocesss, embedded systems, hardware, and any electronc equpment, data processng equpment, nfmaton reposty, telecommuncaton equpment, computer controlled programmed machnery, equpment capable of processng data and/ smlar devces, whether physcally remotely connected thereto. Cyber Vandal The person persons, whether dentfed not, responsble f, nvolved wth, creatng a Vrus Smlar Mechansm a Denal of Servce Attack, unauthsed access to use of Computer and Electronc Equpment. Data All nfmaton whch s 1. electroncally sted, 2. electroncally represented, 3. contaned on any current and back-up dsks, tapes other materals devces used f the stage of data, ncludng but not lmted to operatng systems, recds, programs, software frmware, code seres of nstructons. Data Stage Materals Any materals devces used f the stage representaton of Data ncludng, but not lmted to, dsks, tapes, CD-ROMs, DVDs, memy stcks, memy cards other materals devces whch may may not also consttute Computer and Electronc Equpment. Denal of Servce Attack Any actons nstructons wth the ablty to damage, nterfere wth, otherwse affect the avalablty of Computer and Electronc Equpment Data, ncludng but not lmted to the generaton of excess traffc nto netwk addresses, the explotaton of system netwk weaknesses, and the generaton of excess non genune traffc wthn, between amongst netwks. Employee Any person who s 1. under a contract of servce apprentceshp wth You 2. browed by hred to You 3. a labour master suppled by a labour master 4. employed by labour only sub-contracts 5. self-employed 6. under a wk experence tranng scheme 7. a voluntary helper whle wkng under Your control n connecton wth The Busness 8. an outwker homewker when engaged n wk on Your behalf. Endsement/Endsements An alteraton to the terms of the polcy. Excess/Excesses The amount amounts shown n Your polcy The Schedule whch You must bear f each and every event and You wll remburse any such amount pad by Us. Falure Any partal complete reducton n the 1. perfmance, 2. avalablty, 3. functonalty, 4. the ablty to recognse process any date tme, of any Computer and Electronc Equpment electronc means of communcaton web ste. 6

9 Loss of Data Physcal electronc other loss destructon alteraton loss of use, whether permanent tempary, of damage to Data, of whatsoever nature, n whole n part, ncludng, but not lmted to, Loss of Data resultng from loss damage to Computers and Electronc Equpment Data Stage Materals, ncludng whle sted on Data Stage Materals. Malcous Contngency 1. Rot, cvl commoton, strkers, locked out wkers 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 ders, bankers drafts, cheques and gro cheques 3. crossed warrants, blls of exchange and securtes f 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, as the case may be, any subsequent perod f whch We accept payment f renewal of ths polcy. Property Insured Property Insured as detaled n the Schedule. Specfed Contngency 1. Fre 2. Lghtnng 3. Exploson 4. Arcraft and other aeral devces artcles dropped from them 5. Earthquake 6. Stm food 7. Escape of water from any tank apparatus 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 Excesses, Endsements and Condtons applyng to the polcy. Vrus Smlar Mechansm Program code, programmng nstructon any set of nstructons wth the ablty to damage, nterfere wth, otherwse adversely affect Computer and Electronc Equpment Data, whether nvolvng self-replcaton not, ncludng, but not lmted to, trojan hses, wms and logc bombs. We/Us/Our/The Co-operatve Insurance CIS General Insurance Lmted. You/Your/Polcyholder The persons, companes, partnershps unncpated assocatons named n The Schedule as the Polcyholder. 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 Accdental loss, destructon damage. Defned Contngency 1. Fre 2. Lghtnng earthquake 3. Exploson 4. Arcraft 5. Rot, cvl commoton, strkers, locked out wkers persons takng part n labour dsturbances 6. Malcous persons other than theves 7. Stm food 8. Escape of water from any tank, apparatus ppe 9. Fallng trees rado/tv aerals 10. Impact 11. Leakage of fuel 12. Theft attempted theft. Property Damage Excess The amount ( 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 Exclusons at the back of ths booklet). We wll not ndemnfy You n respect of 1. Damage caused by consstng of (e) (f) an exstng hdden defect n the property gradual deteraton wear and tear frost change n the water table level faulty desgn of the Property Insured faulty materals used n ts constructon faulty wkmanshp, operatng err omsson by You any Employee the burstng of a boler other equpment where the nternal pressure s due to steam only and belongs to You 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 consstng of croson, rust rot v v change n shrnkage, evapaton loss of weght dampness dryness scratchng vermn nsects temperature colour favour v texture fnsh npple jont leakage falure of welds crackng, fracturng, collapse overheatng of a boler, vessel, machne apparatus n whch nternal pressure s due to steam only and any assocated ppng mechancal 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 any other accdental cause 8

11 any subsequent Damage whch tself results from a cause not otherwse excluded. 3. Damage caused by polluton contamnaton. (g) (h) watercraft arcraft land, roads pavements, pers, jettes, brdges, culverts excavatons. However, We wll ndemnfy You n respect of Damage, not otherwse excluded, to the Property Insured caused by polluton contamnaton whch results from a Defned Contngency a Defned Contngency whch results from polluton contamnaton. 4. Damage caused by consstng of acts of fraud dshonesty 9. Damage caused by theft attempted theft not nvolvng entry nto ext from buldngs by fcble volent means by any person lawfully n The Premses where You Your partners, drects Employees any member of Your household s nvolved from any buldng part of any buldng not capable of beng locked dsappearance (e) from the open from any yard, compound, garden car park. unexplaned nventy shtage 10. Damage to moveable property n the open by msflng, msplacng of nfmaton clercal err. wnd 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 packagng treatment, testng commssonng servcng repar. However, We wll ndemnfy You n respect of ths Damage f t s caused by fre exploson. 7. Damage to chna, earthenware, marble other fragle objects (not ncludng stock n trade) a structure caused by ts own collapse 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) property n the course of constructon ncludng materals f use n the constructon lvestock growng crops trees vehcles lcensed f road use ncludng accesses on attached to them caravans tralers ralway locomotves rollng stock ran, hal, sleet snow food dust. 11. Damage to property me specfcally nsured. 12. the Property Damage Excess. 13. consequental loss damage of any knd. 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 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 contracts tools, stock, Employees pedal cycles personal belongngs s destroyed We wll pay f ts rebuldng replacement by smlar property n a condton as good as, but not better than me extensve than, ts condton when new. If such property s only partally destroyed, We wll pay f replacement repar of the damaged pton to a condton as good as, but not better me extensve than, ts condton when new. However, We wll not pay me than We would have done f the property had been completely destroyed. 9

12 The property may be replaced on another ste and n a manner sutable to Your needs, but ths must not ncrease Our lablty. All wk must begn and be carred out as quckly as possble. 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 We wll not pay under ths clause untl You have ncurred the cost of replacng reparng the property arsng from polluton contamnaton of property not nsured under ths Secton me specfcally nsured. 3. All Other Contents Ths term ncludes (e) (f) f You, 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 recds patterns, models, moulds, plans and desgns but only f the value of the materals the cost of labour and computer tme spent n reproducng them. We wll not pay f expenses n connecton wth producng nfmaton to be recded the value to You of any nfmaton lost. Employees pedal cycles and other personal belongngs but only f they are not otherwse nsured. The maxmum We wll pay f any one Employee s property s 500. vsts personal belongngs. The maxmum that We wll pay f any one vst 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 f each tem, except on Stock and materals n trade, ncludes costs and expenses You ncur, wth Our consent, f removal of debrs dsmantlng demolshng 5 Lmt of Lablty The maxmum We wll pay under ths Secton wll not exceed the Sums Insured stated n The Schedule. 6. Tempary Removal We wll ndemnfy You n respect of Damage as Insured under ths Secton to the Property Insured, whle temparly removed elsewhere n transt anywhere n Europe and f up to 30 days n each Perod of Insurance anywhere n the wld. We wll not ndemnfy You n respect of Damage caused by theft attempted theft from any unattended vehcle where and all dos and wndows have not been locked the vehcle s not garaged n a locked buldng locked and secured n a fully enclosed yard compound when left overnght to property n any soft topped, open topped open sded vehcle by stm malcous persons theft 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 f busness purposes Endsements and Condtons Ths Secton s subject to any Endsements 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 payment f that clam. shng up proppng of the parts of the property whch have suffered Damage nsured under ths Secton. 10

13 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 dsablement. Busness Hours Your nmal wkng hours and any other perod durng whch You any Employee entrusted wth Money s on the Premses n connecton wth The Busness. Insured Person You Your drects, prncpals Employees aged between 16 and 65. Loss of Lmb 1. severance at above the wrst ankle Cover Money We wll ndemnfy You n respect of 1. loss of Money occurrng durng the Perod of Insurance, whch belongs to You You are responsble f n connecton wth The Busness up to the Lmt Any One Loss set aganst each tem n the Specfcaton below. 2. loss damage occurrng durng the Perod of Insurance to any case, bag wastcoat used f carryng Money followng theft attempted theft clothng and personal effects belongng to You, Your prncpals any Employee up to a lmt of 500 per person followng theft attempted theft away from The Premses. 2. total and permanent loss of use of a hand, arm, foot leg. 11

14 Specfcaton Item 1 Stamped Natonal Insurance Cards, crossed cheques, crossed gro cheques, crossed money ders, crossed postal ders, 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 n a bank nght safe untl removed by a bank offcal on The Premses whlst You any Employee s wkng there at Your home the home of any Employee 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. shtages due to clercal accountng errs 2. loss due to the dshonesty of Your prncpals any Employee not dscovered wthn 7 wkng days of the loss where a me specfc nsurance s n fce, except f any amount n excess of that nsurance 3. loss of Money from unattended vehcles 4. loss damage outsde Great Brtan, Nthern Ireland, the Republc of Ireland, the Channel Islands and the Isle of Man. Cover Assault We wll pay compensaton to You f Bodly Injury to an Insured Person caused by theft 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 both eyes - occurrng wthn 24 months of Bodly njury 3. loss of one me 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 nmal occupaton 6. partal dsablement whch, wthn 24 months of Bodly Injury, prevents the Insured Person from pursung a substantal part of ther nmal occupaton. 12

15 Clauses 1. Amounts Payable We wll pay weekly compensaton at 4 weekly ntervals compensaton under contngences 5 and 6 f a maxmum of 2 years from the date that the dsablement started weekly compensaton beng pad f the same njury wll end f We pay compensaton under any of contngences 1-4 Endsements and Condtons Ths Secton s subject to any Endsements 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 the followng condton, You wll lose Your rght to ndemnty payment f that clam. 1. Recds and Key Securty You shall keep a complete recd of Money n a dfferent secure place to where Money s kept nsurance wll end f the Insured Person f We pay compensaton under any of contngences 1-4 We wll pay the followng compensaton When The Premses are not occuped by You an authsed Employee You must keep the keys n a secure place away from the safe. Contngency Number Compensaton 1. 10, , , , per week per week. 2. Medcal Evdence We may requre an Insured Person to undergo medcal examnaton a post mtem to be carred out at Our expense. You, Your legal representatve wll supply to Us, at Your expense, any certfcate nfmaton evdence n the fmat We requre. 13

16 Contract Wks 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 ths Secton. Contract Any contract agreement, entered nto by You to carry out wk n the course of The Busness. Contract Ste The ste of any Contract undertaken by You wthn the Terrtal Lmts. Damage Physcal loss, destructon damage. Exstng Structures Any property (ncludng fxtures, fttngs and contents) whch, pr to the commencement of any Contract, fms part of any structure. Mantenance Perod The perod ndcated n the condtons of the Contract, but not exceedng 12 months, durng whch You are responsble f rectfyng defects. Practcal completon Wks whch are 1. completed 2. complete except f the prospectve buyer s tenant s choce of decatons fnal ftments. Property Insured Wks, Your Plant and Hred n Plant whch You own are responsble f as stated n The Schedule. Wks 1. Tempary permanent wks completed to be completed as part of any Contract and/ 2. Materals f ncpaton whlst on adjacent to the Contract Ste and n transt to from the Contract Ste other than by sea ar. Your Plant Plant, scaffoldng, ste huts and tempary buldngs owned by You whle anywhere wthn the Terrtal Lmts and ncludng transt other than by sea ar. Hred n Plant Plant, scaffoldng, ste huts and tempary buldngs hred n by You f use n connecton wth any Contract whle anywhere wthn the Terrtal Lmts ncludng transt other than by sea ar. Terrtal Lmts Great Brtan, Nthern Ireland, the Channel Islands and the Isle of Man. Cover We wll ndemnfy You n respect of Damage to the Property Insured durng the Perod of Insurance and wthn the Terrtal Lmts. Clauses 1. Our Lablty The maxmum that We wll pay n respect of any one loss s f Wks The lmt of ndemnty stated n The Schedule at the tme of Damage. Your Plant The lmt of ndemnty stated n The Schedule at the tme of Damage. Hred n Plant The lmt of ndemnty stated n The Schedule at the tme of Damage. 2. Automatc Renstatement of the Lmt of Indemnty The lmt of ndemnty stated n The Schedule wll not be reduced by the amount of any clam unless We You gve notce to the contrary. You must pay the addtonal premum requred to renstate the lmts of ndemnty. 3. Addtonal Interests We wll, to the extent requred by the condtons of the Contract, nclude the nterest as jont nsured of any employer contract. 14

17 4. Professonal Fees We wll ndemnfy You n respect of professonal fees necessarly ncurred n renstatng reparng replacng the Wks followng Damage. We wll not provde ndemnty n respect of fees me specfcally nsured ncurred n preparng a clam. 5. Debrs Removal We wll ndemnfy You n respect of the costs and expenses that You ncur, wth Our consent, f removng debrs dsmantlng demolshng shng up proppng clearng reparng drans servce mans followng Damage to Property Insured. The maxmum that We wll pay n respect of any one loss s 25% of the estmated contract prce. We wll not provde ndemnty 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 contamnaton of property not nsured under ths Secton me specfcally nsured. 6. Free Issue Materals The Wks wll nclude any free ssue materals f ncpaton nto the Contract whch are: ssued free to You by on behalf of Your employer and f whch You are responsble under condtons of the Contract. 7. European Unon and Publc Authtes Clause Followng Damage to Wks, We wll pay the addtonal cost of renstatng the property nsured necessary to comply wth any European Unon Legslaton. Act of Parlament. Bye-Laws of any Publc Authty. We wll not provde ndemnty n respect of 1. costs ncurred n respect of Damage not nsured by ths Secton where notce was served on You befe the Damage occurred where an exstng requrement must be completed wthn a stpulated perod n respect of property parts of the property other than foundatons (unless foundatons are specfcally excluded) whch have not suffered Damage. 2. any charge assessment arsng from captal apprecaton followng complance wth ths legslaton. The renstatement, repar replacement must begn and be carred out as quckly as possble may be carred out on another ste f necessary provded ths does not ncrease Our lablty. If Our lablty under ths Secton s reduced by the applcaton of any terms of ths Polcy, Our lablty under ths Clause wll be smlarly reduced. The maxmum We wll pay under ths Clause n respect of any one contract s the lmt of ndemnty. 8. Speculatve Buldng We wll ndemnfy You n respect of Damage to any prvate dwellng You have erected on a speculatve bass. Ths ndemnty wll cease on the date You sell, lease rent the property 90 days from Practcal Completon whchever s the earler. 9. Contnung Hre Charges We wll ndemnfy You n respect of Your legal lablty to pay contnung hre charges as a result of Damage to any tem of Hred n Plant nsured under ths Secton. 10. Settlement We may at Our opton repar, renstate replace any Property whch has suffered Damage pay the amount of Damage n Money. We shall not be responsble f the cost of any alteratons addtons, mprovements overhauls carred out on the occason of a repar. 15

18 Exclusons (Also refer to the Polcy Exclusons at the back of ths booklet). We wll not provde ndemnty n respect of 1. Damage to any part of the permanent wks f whch a certfcate of completon has been ssued whch has been completed and handed over to Your employer taken nto use unless the Damage occurs durng the Mantenance Perod but caused befe the begnnng of the Mantenance Perod whle You are carryng out Your oblgatons under the Mantenance Perod 2. Damage as a result of wthn 14 days of the ssue of a certfcate of completon but only to the extent You are responsble under the condtons of the Contract. gradual deteraton wear and tear rust mldew pressure waves caused by arcraft and other aeral devces travellng at sonc supersonc speeds confscaton, natonalsaton requston destructon by under the der of any government publc authty. 3. repar to replacement of any tem of Your Plant Hred n Plant caused by ts own mechancal electrcal breakdown, falure, breakage derangement other than n respect of Hred n Plant and f whch You are responsble under the terms of a hre agreement not beng a leasng hre purchase agreement. 4. Damage to exstng Structures any mechancally propelled vehcle ncludng any traler attached lcensed f road use and f whch a certfcate of mot nsurance s requred, other than a vehcle used solely as a tool of trade 5. Damage by dsappearance shtage dscovered only when an nventy s taken whch s not traceable to an event. 6. Damage caused by polluton contamnaton other than that of to the Property Insured. 7. lqudated damages, fnes any other penaltes under contract f delay non-completon. 8. consequental loss damage of any knd. 9. the cost of nmal upkeep makng good. 10. Damage to and the cost necessary to renstate repar Property Insured whch s n a defectve condton due to a defect n desgn, plan specfcaton materals wkmanshp of any part of that Property Insured other Property Insured to enable the renstatement repar of Property Insured excluded by above. Ths Excluson wll not apply to other Property Insured whch s not defectve but s damaged as a result thereof. Property Insured wll not be consdered as havng suffered Damage solely by vrtue of the exstence of any defect n desgn plan, specfcaton, materals wkmanshp n, n any part of, that Property Insured. 11. the Excess/Excesses. Endsements and Condtons Ths Secton s subject to any Endsements 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 payment f that clam. any arcraft waterbne vessel property f whch You are releved of responsblty by the condtons of the Contract. 16

19 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 Authtes f Value Added Tax. 2. Any adjustment made f current cost accountng wll be gned. Item on Increase n Cost of Wkng Damage As descrbed n the Property Damage Secton. Premses Any Premses where You are conductng Your Busness wthn Great Brtan, Nthern Ireland, the Isle of Man 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. Cover 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 f 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. f each subsequent month of the Indemnty Perod, an equal propton of the balance of the Sum Insured 3. audts accountants charges reasonably ncurred f 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. Clauses We wll also ndemnfy You n respect of loss as nsured under ths Secton resultng from 1. Bolers Damage to bolers 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 nland waterway n Great Brtan, Nthern Ireland, the Isle of Man the Channel Islands. However, We wll not ndemnfy You n respect of Damage to any road ral vehcle waterbne craft. 17

20 Exclusons (Also refer to the Polcy Exclusons at the back of ths booklet). We wll not Indemnfy You f 1. The Busness s wound up carred on by a lqudat recever permanently dscontnued. 2. Your nterest ceases otherwse than by Your death However, We wll ndemnfy You f We ssue wrtten agreement statng otherwse. Endsements and Condtons The Secton s subject to any Endsements 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 payment f that clam 1. Clams Procedure You must take any acton reasonably practcable to mnmse any nterrupton of nterference wth The Busness to avod dmnsh the loss at Your expense, provde Us wth a wrtten Clam and detals of other nsurances coverng the Damage loss resultng from t wthn 30 days after the expry of the Indemnty Perod such further tme that We may allow books, recds 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. 18

21 Terrsm Terrsm 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 Terrsm Act of persons actng on behalf of n connecton wth any gansaton whch carres out actvtes drected towards the overthrowng nfuencng, by fce volence, of Her Majesty s government n the Unted Kngdom any other government de jure de facto. Denal of Servce Attack Any actons nstructon constructed generated wth the ablty to damage, nterfere wth otherwse affect the avalablty of netwks, netwk servces, netwk connectvty nfmaton systems. Excess/Excesses The amount amounts shown n Your polcy 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 Unauthsed access to any computer other equpment, component, system tem whch processes, stes retreves data whether the property of You 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 partnershp 2. A trustee body of trustees where nsurance s arranged under the terms of a trust Note: where the Resdental Property s occuped by a trustee 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 me persons have arranged nsurance on Resdental Property n ther several names and/ the name of the Polcyholder ncludes the name of a bank a buldng socety other fnancal nsttuton f 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 Lds Commssoners of Her Majesty s Treasury from tme to tme any success relevant authty. Vrus Smlar Mechansm Program, code, programmng nstructon any set of nstructons ntentonally constructed wth the ablty to damage, nterfere wth otherwse adversely affect computer programs, data, fles operatons whether nvolvng self-replcaton not. Ths ncludes but s not lmted to trojan hses, wms and logc bombs. Cover We wll ndemnfy You n respect of all losses arsng under any Head of Cover resultng from loss destructon of damage to property nsured under ths polcy drectly caused by an Act of Terrsm occurrng durng the Perod of Insurance at The Premses but only n England, Wales and Scotland but not the terrtal seas adjacent thereto as defned by the Terrtal Sea Act 1987 n the Isle of Man the Channel Islands. The maxmum We wll pay under ths Secton n any one Perod of Insurance wll not exceed the lmt of lablty Sum Insured f each of the Heads of Cover specfed n the Secton of ths Polcy where the Head of Cover s otherwse nsured. 3. A person who owns Resdental Property f 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. 19

22 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 ndrectly caused by contrbuted to, by arsng from occasoned by resultng from damage to any computer other equpment, component, system tem whch processes, stes, transmts receves data any part thereof whether tangble ntangble (ncludng but wthout lmtaton any nfmaton, programs software) and whether Your property not where such damage s caused by Vrus Smlar Mechansm, Hackng Denal of Servce Attack. 3. We may cancel the cover provded by ths Terrsm Secton By sendng You 30 days wrtten notce to Your last known address. We wll refund a proptonate part of any premum pad f the unexpred perod. b) Immedately f the premum has not been pad f there has been a default under an nstalment lnked credt agreement. We wll not refund any nstalment pad. 4. In any acton sut 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. rot, cvl commoton, war, nvason, act of fegn enemy hostltes (whether war be declared not), cvl war, rebellon, revoluton, nsurrecton mltary usurped power. Condtons Precedent It s a Condton Precedent to Our lablty that 2. We wll not ndemnfy You n respect of losses arsng under any Head of Cover as a result of loss destructon of damage to Resdental Property nsured n the name of a Prvate Indvdual. Condtons The followng condtons apply to ths Secton. (Also refer to the Polcy Condtons at the back of ths polcy booklet). 1. You must declare to Us all property and/ premses owned by You f whch You are responsble ncludng all such property and/ premses of subsdary companes unless t s the practce of any subsdary company to effect ts own nsurance 2. You must purchase Terrsm nsurance from a Pool Rensurance Company Lmted member company n respect of all such property and/ premses. 1. The nsurance provded by ths Secton s subject to all the Defntons, Condtons, Clauses, Endsements 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 f adjustments of premum any aggregate lmt on the amount bne by You as a result of the operaton of an Excess any provson f the automatc renstatement of sums nsured 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 Terrsm, as defned n ths Secton n the event of the Treasury refusng to ssue such a certfcate a trbunal fmed by agreement between Us and Pool Rensurance Company Lmted decdes that the cause of such loss was an Act of Terrsm, as defned n ths Secton. 20

23 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 nervous shock. Compensaton Damages, ncludng nterest. Costs and Expenses 1. Fees f The Insured s legal representaton at any Coner s Inquest Fatal Accdent Enqury proceedngs n any Court of Summary Jursdcton arsng out of any alleged breach of statuty duty 2. Costs and Expenses ncurred wth Our wrtten consent 3. Any clamant s legal costs f whch The Insured s legally lable n connecton wth any event whch s may be the subject of ndemnty under ths Secton. The Defned Terrtes Great Brtan, Nthern Ireland, the Isle of Man, the Channel Islands offshe nstallatons wthn the Contnental Shelf around such terrtes. The Insured 1. You 2. Your personal representatves n respect of legal lablty You ncur 3. At Your request any drect, partner, Employee of Yours the offcers, commttees and members of Your canteen, socal, spts, educatonal and welfare gansatons frst ad, fre, securty and ambulance servces n ther respectve capactes as such any prncpal f 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 the personal representatves of any of these persons n respect of legal lablty f 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 seres of clams arsng out of one cause. The Terrtal Lmts Anywhere n the wld n connecton wth The Busness conducted by You from Premses wthn The Defned Terrtes. We wll not provde ndemnty n respect of Bodly Injury to 1. any Employee engaged by You outsde The Defned Terrtes f the purpose of wk 2. by any such Employee outsde The Defned Terrtes. 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 Terrtal 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, spts, educatonal and welfare gansatons f the beneft of any Employee Your frst ad, fre, securty and ambulance servces Your partcpaton n exhbtons prvate wk by any Employee, wth Your pr consent, f You any drect, partner Employee of Yours. 21

24 2. Contractual Lablty We wll ndemnfy The Insured n respect of lablty f 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 f ncludng the perfmance of wk outsde The Defned Terrtes. 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 f defendng proceedngs, ncludng appeals costs of prosecuton awarded aganst The Insured whch arse from any health and safety nqury crmnal proceedngs f any breach of the Health and Safety at Wk etc. Act 1974 the Health and Safety at Wk (Nthern Ireland) Order We wll not provde ndemnty 1. unless the proceedngs relate to an actual alleged act, omsson ncdent commtted durng The Perod of Insurance wthn The Defned Terrtes and n connecton wth The Busness 2. n respect of proceedngs whch result from any delberate act omsson by You 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 accdance wth the provsons of any law relatng to the compulsy nsurance of lablty to Employees n Great Brtan, Nthern Ireland, the Isle of Man the Channel Islands. However, You wll repay to Us all sums We would not have been lable to pay but f the provsons of such law. 6. Payment f Court Attendance We wll compensate You f, at Our request, You, any drect, partner Employee of Yours s attendng court as a wtness n connecton wth a clam f whch The Insured s enttled to ndemnty. The maxmum We wll pay f You, each drect partner s 250 per day f each Employee s 150 per day. 7. Unsatsfed Court Judgments We wll, at Your request, pay any Employee hs her personal representatve, the amount of and damages costs awarded to such person as a result of a judgment whch has been obtaned f Bodly Injury aganst any company regstered n any ndvdual domcled n The Defned Terrtes 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 the judgment was obtaned n a court wthn The Defned Terrtes there s no appeal outstandng to the judgment the Employee, hs her personal representatve, assgns the judgment debt to Us. 8. Legal Expenses arsng from Cpate Manslaughter and Cpate Homcde Act 2007 We wll ndemnfy You n respect of 1. legal fees and expenses ncurred wth Our wrtten consent f defendng proceedngs, ncludng appeals 2. costs of prosecuton awarded aganst You whch arse from crmnal proceedngs f any offence as defned n Secton 1 of the Cpate Manslaughter and Cpate Homcde Act We wll not provde ndemnty 1. unless the proceedngs relate to an actual alleged offence commtted durng the Perod of Insurance wthn The Defned Terrtes and n connecton wth The Busness. 22

25 2. n respect of proceedngs whch result from any delberate act omsson by You relate to any person other than an Employee. 3. n respect of any fnes remedal publcty ders any steps requred to be taken by such ders. 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. wk n on and travel to, from wthn any offshe accommodaton, explaton, drllng producton rg platfm suppt vessel. 2. Bodly Injury sustaned by any Employee when such person s carred n upon a vehcle enterng gettng on to, alghtng from, a vehcle where any road traffc legslaton requres nsurance securty. 3. lqudated damages penalty clauses fnes aggravated, resttutonary, puntve exemplary damages any addtonal damages resultng from the multplcaton of compensaty damages other non-compensaty damages. 23

26 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 any dervatves of asbestos. Bodly Injury Bodly njury ncludng death, llness, dsease nervous shock. Compensaton Damages, ncludng nterest. Costs and Expenses 1. fees f The Insured s legal representaton at any Coner s Inquest Fatal Accdent Enqury proceedngs n any Court of Summary Jursdcton arsng out of any alleged breach of statuty duty 2. costs and expenses ncurred wth Our wrtten consent 3. any clamant s legal costs f whch The Insured s legally lable n connecton wth any event whch s 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 mprsonment evcton accusaton of shoplftng. Polluton Contamnaton 1. Polluton contamnaton of buldngs other structures of water land the atmosphere and 2. all loss, Damage to Property Bodly Injury drectly ndrectly caused by such polluton contamnaton. Products Suppled Anythng whch s 1. manufactured, sold, suppled, processed, altered treated 2. repared, servced tested 3. nstalled, constructed, erected transpted by You on Your behalf and whch s no longer n the custody control of The Insured. Property Materal property. The Defned Terrtes Great Brtan, Nthern Ireland, the Isle of Man, the Channel Islands offshe nstallatons wthn the Contnental Shelf around such terrtes. The Insured 1. You. 2. Your personal representatves n respect of legal lablty You ncur. 3. at Your request any drect, partner, Employee of Yours the offcers, commttees and members of Your canteen, socal, spts, educatonal and welfare gansatons frst ad, fre, securty and ambulance servces n ther respectve capactes as such any prncpal f 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 the personal representatves of any of these persons n respect of legal lablty f 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. 24

27 The Lmt of Indemnty The maxmum amount, stated n The Schedule, whch We wll pay n respect of any one event all events of a seres consequent on attrbutable to one gnal cause. In respect of Products Suppled Polluton Contamnaton, The Lmt of Indemnty wll apply to the total of all events occurrng n any one Perod of Insurance. The Terrtal Lmts Anywhere n the wld n connecton wth The Busness conducted by You from Premses wthn The Defned Terrtes. The Wks All wks completed to be completed by You on Your behalf ncludng 1. all materals ncpated to be ncpated 2. plant, tools, equpment and tempary buldngs used to be used f 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 nterference wth any rght of way, ar, lght water whch arses n connecton wth The Busness and whch happens durng the Perod of Insurance and wthn The Terrtal 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 any terrty wthn ts jursdcton 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, spts, educatonal and welfare gansatons f the beneft of any Employee Your frst ad, fre, securty and ambulance servces Your partcpaton n exhbtons prvate wk by any Employee, wth Your pr consent, f You any drect, partner 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 f defendng proceedngs, ncludng appeals costs of prosecuton awarded aganst The Insured whch arse from crmnal proceedngs f any breach of Part ll of the Consumer Protecton Act 1987 Part II of the Food Safety Act We wll not provde ndemnty 1. unless the proceedngs relate to an actual alleged act, omsson ncdent commtted durng the Perod of Insurance wthn The Defned Terrtes and n connecton wth The Busness 2. n respect of proceedngs whch result from any delberate act 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 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 f ncludng the perfmance of wk outsde The Defned Terrtes. 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. 25