Garden Centre. Proposal.

Transcription

1 Garden Centre Proposal

2 Garden Centre Proposal Form Quality, Security and Flexibility to give The Garden Centre Industry Peace of Mind The Garden Centre Insurance Policy has been designed with the intention of providing a secure, all in one cover for companies within the Garden Centre Industry. This Proposal form is the basis of a legally binding Contract between the Insurers stated in the schedule and you, the Insured. Please complete this document carefully. If you arrange this insurance through a broker or agent you should communicate with us through them. Material Facts Definition Material facts are those that are likely to influence an insurer in the acceptance or assessment of this proposal and it is essential that you should disclose them. If you are in doubt as to whether a fact is material then, for your protection, you should disclose it, since failure to do so could affect the cover provided. Law Applicable Unless any agreement to the contrary is reached between us, English law will apply to this contract of insurance. This Policy is arranged through Towergate AIUA Grimbald Crag Close Knaresborough HG5 8PJ T: F: Any correspondence should be directed to your Broker or the above address 1

3 The Garden Centre Proposal Form 1. Company Information Proposers/Company Full Name/Title Main Registered Address: Postcode Tel (1) (2) Fax (1) (2) Website 2. General Questions Name of Directors/Partners/Principals 1) 6) 2) 7) 3) 8) 4) 9) 5) 10) Give brief details of experience and background and whether any of the above have been declared bankrupt or involved with a Company which has ceased trading. a How long have you or any partner, director or senior employee been in business at your existing or any previous premises? yrs mths Has the Business, you or any director or partner (in relation to this Business or for any other): b Been declared bankrupt or insolvent? Yes No c been convicted or charged (but not yet tried) or received an official caution for any offence other than a motoring conviction? Yes No d In respect of any of the risks which you now wish to insure against i) held insurance in the last 5 years? Yes No ii) has any previous insurer declined, cancelled, refused, renewal refused or had any special terms or conditions applied by any insurer for the risks and/or covers proposed? Yes No iii) ever been fined or given an improvement or prohibition order under the Health & Safety at Work Act 1974, the Consumer Protection Act 1987, The Environment Protection Act 1990 or similar law? Yes No iv) suffered any loss or incurred any liability, whether insured or not, at these premises or other premises during the last 5 years, in connection with any Insurance for which cover is required? Yes No If YES to any Questions above give full details 3. Subsidiary Companies List any other subsidiary companies you wish to include a) b) c) d) 2

4 4. Date Cover Required From: dd/ mth/ year The Policy will run for 12 months unless agreed in writing with Towergate AIUA 5. Financial Company Details Finance Company/Bank interest to be noted: Name: Nature of Interest Address: Postcode: 6. Business Details When was your business established? dd/ mth/ year 7. Business Activities Please give a brief description of your companies activities taking care to include any/all activities which you undertake in the course of your business: 3

5 8. Premises Section 1 - Material Damage Details Address Tel; Fax; Trade Description & Use per premises Number of buildings Age & Construction of Buildings: (please advise the wall and roof construction of the main Building(s), (excluding Glasshouses and Poly-Tunnels, including details of any composite Panels* or combustible linings and approximate building size.) * If a building has composite panels, please provide full details of in-fill for further consideration. Method of Heating (please advise if use of portable heating is used) (Where a questions below indicates that a 'Yes' or 'No' answer is required please circle or tick where necessary the appropriate answer) Has the Electrical System been inspected in the last 5 years with all defects remedied and certified as compliant? 9. Security Is an alarm fitted? If Yes is it installed and annually maintained by SSAIB or NSI accredited company? Please state method of signalling (Bells only/central Station/Redcare) Is the alarm on main BUILDING only? Are the exit doors fitted with 5 Lever mortice locks? Are the windows fitted with key operated locks? Are there any additional security features in place on the premises? (Roller shutters, CCTV, security lighting, security fencing etc.) 4 continued

6 10. Open Display Areas & Plant Storage Do you have open display areas or compounds? If Yes what specific protections against theft are used? Is all mobile plant, tools & other equipment kept in a locked BUILDING when not in use? If No give details of where kept & how secured? 11. Buildings Warning - If Sum Insured does not reflect the full extent of risk then Average clause could be applied at inception. Rebuilding cost of all BUILDINGS (including wall, gates, fences, car parks, open display areas, fees & clearance of debris) built of Brick, Stone, Slate and Tile (Standard Construction) that form the Premises. Rebuilding cost of GLASS houses Rebuilding cost of Polytunnels, Buildings built using Composite Panels or Combustible Linings or other Non-Standard Construction Buildings (please specify construction) Loss of Rent - Payable Loss of Rent - Receivable Indemnity Period required (12, 18 or 24 months) mths mths mths IMPORTANT - Please supply a site plan & photographs of the site, buildings etc. if available 5

7 12. Business Equipment (& Electronic Equipment) Basis of Valuation: Replacement cost Description Office, Shop and Computer equipment Restaurant/Coffee shop equipment. Maximum Location 1 Maximum Location 2 Maximum Location 3 External Machinery, Plant & all other Contents Any other items (specify below) Maximum all Locations NOTE THIS POLICY DOES NOT GIVE COVER FOR USE OF ANY KIND UNDER CIRCUMSTANCES WHERE A ROAD TRAFFIC ACT CERTIFICATE WOULD BE REQUIRED 13. Internal - General Stock (& Goods In Trust) Basis of Valuation: Cost Price Description Maximum Location 1 Maximum Location 2 Maximum Location 3 General Stock - Internal Houseplants and growing stock Giftware & Fancy Goods CD, DVD, Tapes & Videos Clothing,Wines, Spirits & Tobacco Goods in Trust & other stock (specify below) Maximum all Locations 14. External - General Stock (Goods In Trust) Basis of Valuation: Cost Price Description General Stock - InternalPlants and growing stock, fencing, paving & building materials, conservatories & summerhouses, greenhouses & sheds, fertilisers & growing mediums Maximum Location 1 Maximum Location 2 Maximum Location 3 Garden machinery & mowers Goods in Trust & other stock (specify below) Maximum all Locations 6 continued

8 15. Theft Cover Do you require Theft cover for items in a secured open yard, compound or a covered display area within a secured yard or compound subject to forcible or violent entry to or exit from the secured open yard or compound? Yes No If Yes give details of items left in the open and what theft precautions are taken NOTE - There will be an additional excess amount applied if this cover is granted 7

9 16. Business Interruption (Basis of Cover) What is the basis on which cover is required? Section 2 - Business Interruption Section 2A Business Interruption (Full Wording - Declaration Linked) If YES, please complete Question 17 below. Section 2B Increased Cost of Working If 'YES', please complete Question 18 below. 17. Business Interruption (Full Wording) Complete only if you have answered YES answer to Question 16 section 2A above State your estimated Gross Profit during the next 12 months State Indemnity period required (12/18/24/36 Months) months months months Extensions included in standard cover Public Utilities Limit 25,000 Computer Records Limit 25,000 DAMAGE caused by storm & malicious damage to PROPERTY in GLASS houses and BUILDINGS of non standard construction Limit 25,000 Suppliers/Customers Limit 25,000 If you wish to give alternative limits to Customers/Suppliers give details below Supplier/Customer Name Location Limit s 18. Business Interruption - Increased Cost of Working (Additional Expenses Only) Complete only if answer to Question 16 section 2B above is YES State SUM INSURED required in respect of all Additional Expenditure including Accountants Fees State Indemnity period required (12/18/24/36 Months) months months months 19. Outstanding Debit Balances If YES state sum to be insured NOTE: Your policy will contain a condition that you maintain a quarterly record of the total amounts outstanding and that you keep a copy away from your premises or in a fire resistant safe. 8 continued

10 Section 3 - Liabilities 20. Liabilities Required If 'Yes' which Liability covers are required? OTHER Employers Liability Yes / No Limit Any one Occurrence 10 million (Not available in isolation) Public Liability Yes / No Limit Any one Occurrence 1 / 2 / 5 million Product Liability (excluding exports to North America) Yes / No Limit Any one Occurrence 1 / 2 / 5 million Product Liability (exports including North America) Yes / No Limit Any one Occurrence 1 million Are you exempt from having an Employer Reference Number (ERN)? Yes No If No, please advise your Employer Reference Number 21. Details of Work Undertaken Describe a) Work undertaken b) Do you undertake (or arrange sub-contracts) for any of the following activities away from your PREMISES? i) Building / Construction Work / Roofing Yes No ii) Conservatory / Greenhouse / Shed Erection Yes No iii) Landscape Gardening / Turfing / Paving / Fencing Yes No iv) Fishpond / Watergarden Construction Yes No v) Tree Surgery / Lopping or Felling / Pruning Yes No vi) Any process involving the application of Heat Yes No 9

11 c) Do you handle, use or store radioactive substances or devices, chemicals, gases, explosives, asbestos, silica or materials containing silica or any other dangerous substances? Yes No d) Do you or have you accepted any contractual liability which would otherwise not attach to you? Yes No e) Do you operate any process which does or could result in the escape or discharge into the atmosphere, water or land of any toxic substance? Yes No f) Have you ever had any incident(s) of pollution at your Premises or been prosecuted for pollution or contamination incidents? Yes No g) Do you export or have you exported goods directly or indirectly to/from the USA or Canada? Yes No h) Do you alter any products that you have not manufactured? (apart from Growing Stock) Yes No i) Do you put your trading name, trade mark or logo on any products that is not manufactured by you? (apart from Growing Stock) Yes No If you have answered YES to any of the above please give full details below (including estimates of export turnover and destination countries exported to Q21(g)) 22. Details of People Working In The business Please provide full details of all your EMPLOYEES (including Directors, any person supplied or borrowed by you and labour only sub-contractors) Occupational type/nature of work undertaken Number of Persons Total wages & Other earnings Clerical, sales, shop & restaurant Nurserymen, all other manual wages (including labour only sub-contractors (specify work) Clerical work away. Manual collection and delivery Manual Work Away (specify work) 10

12 23. Annual Turnover and PRODUCTS SUPPLIED Please provide: a) Gross Annual Turnover over all locations: United Kingdom Overseas (excluding USA/Canada) USA/Canada Work away from premises - within UK b) Approximate percentage slit of the total turnover for the following activities: Tools & Equipment Work Away Goods manufactured by you Pets & Fish sales Equipment hire Other (Specify) 24. Rights of Way / Use a) Are there any rights of way through your PREMISES? Yes No If Yes, please give details. b) Do you ensure they are kept clear? Yes No 25. Flammables i) a) Do you store flamable fluids or petrol, diesel, paraffin, Yes No butane/propane gas? b) Please state what flammable fluids or gas? c) Quantity stored? d) Method of storage? ii) Are any of these for sale to the general public? Yes No If Yes please give details 11

13 26. Safety Policy Do you have a company written health and safety policy in force? Yes No If Yes a) state date when it was last reviewed? b) state date when it was last communicated to all employees? Have all the necessary up-to-date health and safety risk assessments Yes No been completed? 27. Display Features Do you have any special display features permanently installed or erected during the year which involve lakes, ponds, running water, all displays and ancillary activities (e.g. Santa s Grotto or displays or a similar nature)? Yes No If Yes please give details Section 4 - Money (including assault) 28. The policy has standard limits as shown: a) Crossed cheques and other non negotiable items b) On the premises not in a safe out of hours c) At directors, partners or trusted employee s dwellings d) On the premises out o hours in an acceptable Safe Standard Limits Increased to 250, ,000 Details of Safe e) On premises during business hours or in transit to Bank NOTE: Amounts in excess of 5,000 must be in the custody of two able bodied persons whilst in transit f) Do you use a security company to transport MONEY to or from the bank? Yes No If Yes please give details of the company used and limits required g) How often is the money banked and what is the distance to the bank? h) Estimated annual carryings of MONEY i) By the Insured ii) By a Security Company 29. Personal Accident Assault (whilst carrying MONEY) a) Death or bodily injury b) Total disability c) Temporary Total Disability (per week for maximum of 104 weeks) Standard Limits 30,000 30,

14 Section 5 - All Risks (& Deterioration of stock) 30. All Risk Cover on Specified BUSINESS EQUIPMENT of Valuables Geographical Limits available a) Anywhere in the United Kingdom b) Anywhere in the European Union If Yes state items to be insured Item No. required Sum Insured Location No. Description of property Geographical Limit Section 5b - Deterioration of stock 31. Deterioration of refrigerated stock Do you wish to cover deterioration of refrigerated stock? Yes No If Yes please give the following detail at each location a) Number and Location of freezers b) Maximum SUM INSURED any one freezer c) Age of freezers d) Are the units motors & compressors hermetically sealed? Yes No e) Are the units under a maintenance agreement? Yes No f) At what intervals are the units examined by the Insured? 13

15 Section 6 - Goods in Transit 32. Goods carried by your own VEHICLES Do you wish to cover goods carried by VEHICLES owned or operated by you? Yes No If Yes please state a) Maximum number of VEHICLES used to carry goods b) Maximum load limit NOTE: a) Tobacco, cigarettes, cigars, wines, spirits, jewellery, precious metals and stones, video equipment, cassettes or discs, computer or video games radio s, televisions, electrical appliances, clothing or textiles must be specified if carried. If the total value of specified goods exceeds 1,000 theft cover will not normally apply unless the VEHICLE is fitted with a Thatcham Approved Category 1 immobiliser and audible alarm. b) Theft or attempted theft from any unattended VEHICLE during working hours is excluded unless the VEHICLE is left fully locked and all available security put in place and keys removed c) Theft of property in or on soft-topped or open sided VEHICLEs is excluded unless involing theft of the VEHICLE 33. Goods carried by Road Carriers, rail or post Do you wish to cover goods sent by carriers, rail post ptc.? Yes No If Yes please state means of carriage a) Estimated value of goods to be dispacted in the next 12 months (excluding transits by own VEHICLEs) b) Load Limit c) Nature of Goods carried or dispatched d) Percentage of goods sent via: Road Carrier % Post % Rail % Other % 14 continued

16 Section 7 - Computer 34. Computer Material Damage a) Please give full details of Business Computer Hardware, Software, Tapes/Cards/Disks to be insured Details of Equipment Location No. Make & Year Serial No. Type/Model New Replacement Value Computer equipment including terminals & peripheral equipment Software b) Is there a maintenance agreement in force which covers the parts which fail in normal working use? Yes No c) If there is no maintenance agreement in force or the cost of replacement is not proved for under the maintenance agreement do you wish to consider full breakdown cover? (an additional charge is made for this extension) Yes No d) Where is the computer equipment kept? e) Is the building where the equipment is kept of standard construction? Yes No If No give details f) Is any of the equipment i) portable or transported by hand? Yes No ii) Used away from the PREMISES? Yes No iii) left in unattended road vehicles? Yes No If Yes give details 15

17 35. Computer Additional Expenditure and Recompilation of Data Please state a) SUM INSURED in respect of i) Additional expenditure plus ii) recompiling information on data carrying materials b) Give details back up of data, method of storage, frequency of back ups and whether a copy is kept away from the PREMISES c) Is a duplicate of software readily available from your supplier (if not confirm a back up copy is kept away from the PREMISES at all times) Yes No 36. Building Security Does the security of the PREMISES confirm to the following standard? Refer to Towergate AIUA if the computers are kept in buildings that are not constructed of Brick, Stone, Slate or Tile. a) Doors NOTE All external doors at your PREMISES and any internal doors leading to other PREMISES to be protected as follows q q Timber Doors - Frames to be at least 45 mm thick and must be secured with mortice deadlock which confirms to BS362. The first closing leaf of double doors must be fitted with bolts top and bottom Aluminium Framed Doors - Must be fitted with a swing bolt type mortice lock b) Windows All opening sections of external ground floor windows and all other windows which are accessible from roofs, fire escapes or down pipes must be fitted with key operated window locks c) Computer Equipment - Is all or any part of the computer equipment i) Fixed down to desks/table by security devices? Yes No ii) Prominently, permanently and overtly marked to identify ownership? Yes No iii) Do you have a formal security plan in operation limiting access to the PREMISES? Yes No d) Security Patrol - Do you have a Night-watchman/24 hour security patrol? Yes No If NO to any of the above questions please give details of alternative security 16

18 General Questions 37. Are the Premises a) In need of repair/maintenance? b) Congested? c) In an area i) liable to flooding? ii) with a history of vandalism or theft iii) unduly exposed to the elements? iv) with a history of subsidence? v) on made up/infilled land? 38. How Often is Waste/Refuse Removed from the Buildings and where is it Stored 39. Risk Report Are all the locations solely occupied by you? If No give details of all tenants and their activities Nature of separation between Insured and tenant 17

19 40. Fire Protection a) Do the premises meet Fire Regulations under the The Regulatory Reform (Fire Safety) Order? Yes No b) What fire precautions are taken? c) Number and type of fire extinguishers Are they maintained under contract? Yes No d) Distance to the nearest full time fire brigade e) Distance to the nearest fire hydrant or other water supply km km km km km km f) If the presises are spinklered give area covered, edition and type of feed 18

20 PLEASE USE THIS SPACE FOR ANY EXTRA INFORMATION REGARDING PREVIOUS QUESTIONS AND CLEARLY MARK THE QUESTION NO. BEING REFERRED TO 19

21 DECLARATION - VERY IMPORTANT A survey of your PREMISES may be required and the surveyor will stipulate-any additional requirements. The Company reserves the right to decline any proposal. You should keep a record (including copies of letters, s and other correspondence) of all information supplied to the Company for the purposes of entering into this contract. A copy of this proposal and any other information supplied by you or your advisor will be given on request. Personal Data The Insurer for policies underwritten under this scheme is a consortium of leading UK insurers as detailed in the policy schedule. It is administered on their behalf by Towergate Underwriting Group Limited, trading as Towergate AIUA. To set up and administer your policy the insurers and Towergate Underwriting Group Limited will hold and use information about you supplied by you. They may send it in confidence for processing to other companies in their group of companies or those acting on their instructions including those located outside the European Economic Area. Towergate Underwriting Group Limited may also send you details of their other products and services. Please tick this box if you do not wish to receive such details Data Protection Act 1998 We may store your information on a database and use it for administration, risk assessment, research and statistical purposes, marketing purposes and for crime prevention (see further details below). We will only disclose your personal details to third parties, if it is necessary for the performance of your contract with us. In order to assess the terms of the insurance contract or administer claims that arise, we will need to collect data that the Data Protection Act defines as sensitive such as medical history or criminal convictions. By proceeding with this contract you will signify your consent to such information being processed by the insurers or their agents. We will keep your information secure at all times. In certain circumstances, for example for systems administration purposes, we may have to transfer your information to another country, which may be a country outside the European Economic Area ("EEA"). By proceeding with your insurance application, we will assume you are agreeable for us to transfer your information to a country outside the EEA. Declaration Remember you are responsible for the accuracy of the answers on this form, not the agent or the company. Please do not sign this form unless you are sure that all answers are fully and correctly answered. I/We have read over all the statements and particulars given in this proposal (INCLUDING ANY ANSWERS WRITTEN FOR ME/US BY ANY OTHER PERSON) and I/We declare that to the best of my/our knowledge they are correct and that no material fact has been omitted, misrepresented or mis-stated and I/we am/are not aware of any circumstances likely to affect the risk. I/We agree that in the event of the risk being accepted that statements and particulars contained in this proposal and the terms and conditions of "The Garden Centre Policy" shall be the basis of the contract and we undertake to pay the premium when called upon to do so. I/We understand and accept that Towergate AIUA or THE INSURERS may contact my/our previous/present insurers for further information. Signed Date Position Held Liability does not commence until this proposal has been accepted by the insurers and the premium paid, except as provided by an official Hold Covered Letter issued for and on behalf of THE INSURERS by Towergate AIUA 20

22 Also available through Towergate Partnership l Aviation l Manufacturing l Business Travel l Marine Craft l Caravans & Caravan Parks l Marine Trade l Care Homes l Medical Profession l Classic Car l Mini Bus l Commercial and Mini Fleet l Office l Commercial Property Owners l Park Home l Commercial Vehicles l Personal Accident & Sickness l Contractors l PA for Amateur Sports Clubs/Organisations l Credit l Personal Accident Group & SME s l Dental Profession l Photographic Industry l Directors & Officers l Private Motor l Engineering l Professional Indemnity l Entertainment Industry l Residential Property Owners l Equine l Retail Trade l Garden Centres l Sports & Leisure l Holiday Home and Expat l Travel Industry l Household l Veterinary Profession l Liability l Wholesaling l Licensed Trade Please contact your Insurance Broker for further information Towergate AIUA Grimbald Crag Close, Knaresborough, HG5 8PJ T: F: aiua@towergate.co.uk web Towergate AIUA & Towergate Underwriting are trading names of Towergate Underwriting Group Limited Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN Registered in England No Authorised and regulated by the Financial Conduct Authority 063/PF/03/14/0692/44350 Classified Public