Tradesmen. Summary of Cover AXA Business Insurance

Transcription

1 Tradesmen Summary of Cover AXA Business Insurance

2 Summary of cover About this document This document provides details of the key features and any significant exclusions and conditions of Tradesmen insurance only. You can find the full terms and conditions of the cover in the policy document. This information is provided to you for information purposes only and does not form part of your insurance contract. A copy of the full policy wording is available on request or online at It does not include any details of any other covers which are available within AXA Business Insurance. Features and benefits section only Cover Offered Limits of cover available Legal liability to pay claims and associated legal costs for accidental bodily injury, loss or damage to material property, obstruction, nuisance or wrongful arrest in connection with the business Includes cover for legal costs and expenses in connection with any alleged breach of statutory duty under health and safety, consumer protection or food safety legislation Includes cover for legal costs and expenses in connection with any criminal inquiry into, or courtproceedings brought against you, for manslaughter, corporate manslaughter, corporate homicide or culpable homicide Includes cover for your legal liability to pay compensation under Data Protection legislation Includes cover for your legal liability for accidental bodily injury, loss or damage to material property arising from any sudden or unexpected incident of pollution or contamination Includes cover for your legal liability for loss, damage or bodily injury arising from the use of plant and motor vehicles where compulsory insurance is not required The most we will pay is the limit of indemnity that you select. You may choose from limits of indemnity between 1,000,000 and 5,000,000. The costs incurred in investigating, defending or settling the claim are paid in addition to the limit of indemnity. There is no limit on the number of claims that can be made in any one period of insurance (note that some sections of cover restrict the amount we will pay in any one insurance period). At your request we will extend the benefits provided by this policy to include any principal who you are completing a contract for, to the extent required by the contract conditions Automatically includes cover for temporary employees up to a total of 50 man days in any one period of insurance Compensation paid to you where court attendance is required of any director, partner, principal or employed person in relation to a claim that is covered by this insurance. AXA Business Insurance - Tradesmen - Summary of cover Page 2 of 5

3 Summary of cover Employers liability section only Cover Offered Legal liability to pay damages and associated legal costs in respect of bodily injury to an employed person Legal costs arising in connection with a prosecution brought by the Health and Safety Executive or local government enforcement authority in respect of a bodily injury claim Legal costs and expenses in connection with the investigation, defence (and, if necessary appeal) of a prosecution of the offences of manslaughter, corporate manslaughter, corporate homicide or culpable homicide Compensation for unsatisfied court judgements Cover for bodily injury to working partners Compensation paid to you where court attendance is required of any director, partner, or employed person in relation to a claim that is covered by this insurance Limits of cover available The employers liability section covers your legal liability and associated costs in respect of bodily injury to an employed person. Cover is provided up to the limit shown below for any one claim. There is no limit on the number of claims that can be made in any one period of insurance. Employers liability other than resulting from terrorism 10,000,000 Employers liability resulting from terrorism 5,000,000 Manslaughter costs in any one period of insurance 1,000,000 Safety legislation costs in any one period of insurance 1,000,000 Automatically includes cover for temporary employees up to a total of 50 man days in any one period of insurance. AXA Business Insurance - Tradesmen - Summary of cover Page 3 of 5

4 Exclusions or limitations Significant or unusual exclusions or limitations Exclusion or limitation Applicable Cover Radioactive contamination exclusion Aircraft or watercraft exclusion Exclusion of liability arising from work in or on aircraft/watercraft, or at airports or aerodromes in areas with aircraft access Asbestos exclusion Design, advise and treatment exclusion Exclusion of bodily injury to an employed person Exclusion of damage to property owned or in your custody and control Exclusion of legal liability arising from work in or on: Railways or railways installations Power stations or nuclear plant Chemical or petro-chemical works, oil refineries, gas works of fuel storage facilities Docks or harbours Quarries, mines or colleries Bridges, viaducts, tunnels, dams, chimney shafts, towers or steeples Exclusion of legal liability for which compulsory motor insurance is required Exclusion of liquidated damages, fines and penalties and punitive damages Exclusion of work outside the UK other than temporary work within the EU of up to 180 days in any one period of insurance by an employed person Hot work precautions condition Offshore exclusion Pollution and contamination exclusion (other than for sudden or unforeseen incidents) Rectification of defects exclusion You must notify us immediately if the number of people employed in your business changes. Employers liability Employers & Employers & Employers & Employers & Employers & AXA Business Insurance - Tradesmen - Exclusions or limitations Page 4 of 5

5 Exclusions or limitations Standard excesses Section of cover Excess Employers liability nil There is no standard excess under the public liability section. Your policy schedule will include details of what excess applies to you for each and every claim under this section Policy duration This is an annually renewable policy Applicable law You and we can choose the law that applies to this policy. We propose that the Law of England and Wales apply. Unless we and you agree otherwise the Law of England and Wales will apply to this policy. Your cancellation rights If you re not satisfied with your policy you can contact us within 14 days of receipt of your documents and you ll be entitled to a full refund as long as your cover hasn t started yet. If your cover has started, you ll receive a proportional refund based on the cover you haven t used yet. If you cancel after 14 days, you ll receive a proportional refund based on the cover you haven t used yet but you ll also have to pay a cancellation fee of 35. In all cases, if you ve made a claim or a claim s been registered against you before you cancel, you won t be entitled to a refund and the 35 cancellation charge will still apply. Data Protection Notice AXA Insurance UK plc is part of the AXA Group of companies which takes your privacy very seriously. For details of how we use the personal information we collect from you and your rights please view our privacy policy at If you do not have access to the internet please contact us and we will send you a printed copy. Financial Services Compensation Scheme (FSCS) AXA Insurance plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation in the unlikely event that we cannot meet our obligations to you. This depends on the type of insurance, size of your business and the circumstances of your claim. Further information about the compensation scheme arrangements is available from the FSCSC ( org.uk) The European Commission has also provided an Online Disputes Resolution Service for logging complaints. To use this service please go to Making a complaint If you have a complaint about your policy you should contact us. If your complaint relates to a claim on your policy please contact the department dealing with your claim. If we have given you our final response and you are still not satisfied you may be eligible to refer your case to the Financial Ombudsman Service (FOS). If applicable, you will receive details of how to do this at the appropriate stage of the complaints process. BUSINESS AXA Insurance UK plc Registered in England and Wales No Registered office: 5 Old Broad Street, London EC2N 1AD. A member of the AXA Group of Companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded. AXA Business Insurance - Tradesmen - Exclusions or limitations Page 5 of 5