This Policy, Schedule and Statement of Fact shall be read together and be incorporated into the contract between the Insured and the Insurer.

Transcription

1 Statement of Fact This Policy, Schedule and Statement of Fact shall be read together and be incorporated into the contract between the Insured and the Insurer. They have been prepared in accordance with information that we have received from you through your Insurance Adviser. It is important that you check all the information immediately as this forms part of the basis of the contract between you and Allianz, irrespective of who supplied the information. If any of the information is incorrect you must contact your Insurance Adviser immediately. Failure to do so could invalidate the policy from inception or result in a claim being repudiated. We strongly recommend that you keep a record of all information you have provided to your Insurance Adviser Policy : The Insured: 20/SB/ /07 Mr David Armstrong Trading As Cormach Engineering Effective Date: 30/04/2015 Insurance Adviser: Business Description: Premier BusinessCare Service & maintenance of industrial machinery Basis of Acceptance Allianz Insurance plc has accepted this risk based on the provision of the following information: Date Business Established 01/01/2012 Has the business (or any other business in which the Insured, any partners(s) or director(s) have been trading) been subject to any losses, claims or incidents relating to covers to be insured under this policy in the last five years? Have you carried out a Health and Safety assessment and are they recorded? Do you have a written employee induction training programme and maintain training records? Is the business ISO or IIP accredited? Premises Specific Questions Address of Premises: Unit 27-28, Lodge Farm Business Centre,Wolverton Road,Castlethorpe,Milton Keynes,Buckinghamshire,United Kingdom,MK19 7ES What is the construction of the Premises? Traditional n-combustible - n combustible material, including floors and stairs Traditional - Walls constructed of brick, stone, concrete and external roof covering to be non combustible Page 1 of 11 23/04/2015 ACOM4204

2 Traditional < 10% - Traditional > 10% - Combustible - Highly Combustible - Walls constructed of brick, stone, concrete and <10% of roof being flat felt on timber deck Walls constructed of brick, stone, concrete and > 10% of roof being flat felt on timber deck PUR or non approved PIR composite panels or linings anywhere within construction Polystyrene combustible composite panels or linings anywhere within the building Other - t conforming to any of the above categories What year were the Premises built? 1994 Premises occupied more than two years? Are the Premises to be insured occupied solely by you, or occupied by you with the remaining parts occupied by others solely as offices or private dwellings? Are the Premises to be insured heated by any form of portable heating? Do the Premises hold a current IEE certificate? Yes Do the Premises - Have an intruder alarm installed by a UKAS accredited installer with remote signalling and police response? - Have 24-hour security or 24-hour occupancy by the Insured? Are all buildings and machinery in a good state of repair and subject to a planned and recorded maintenance programme? Is all waste removed from the Premises at least weekly, and the Premises kept clean and tidy? More than 200 litres of oil, solvents or chemicals in the open or in unbunded external storage tanks? Claims Experience as at Inception of Policy All incidents, losses or claims which the Insured, any partner(s) or director(s) (in connection with this or any other business in which you or they have been trading) have incurred in the last five years including events which have or could have resulted in a claim relating to covers to be insured under this policy (whether insured or not at the time of loss) is: Total number of claims 0 Total amount paid and outstanding Conditions of Cover: Where subsidence is covered all properties are free from any sign of damage caused by subsidence, ground heave or landslip, and have no history of such damage. Page 2 of 11 23/04/2015 ACOM4204

3 The Insured:- does and will maintain machinery and equipment in accordance with manufacturers recommendations Where you are required to do so under Health and Safety legislation you must: have and will continue to have a nominated person responsible for Health and Safety have and continue to have an induction and on-going training programme which is reviewed and recorded have and continue to have a Health and Safety Policy in place undertake Risk Assessments in order to identify hazards The Insured will: inspect and maintain all fire extinguishing appliances in accordance with the manufacturers recommendations where an Intruder alarm is fitted ensure that it is: maintained in accordance with the manufacturers recommendations set and the keys to the alarm removed from the premises whenever the premises are left unattended remove all waste from the premises at least once a week ensure all stock in any basement or cellar is raised at least 10 centimetres above the floor not handle any silica, asbestos or substances containing asbestos, explosives or radioactive substances not conduct activities that produce noise levels above 90dB(A). General Acceptance This insurance contract is based on neither you nor your director(s) or partner(s) having:- been convicted of or charged (but not yet tried) with a criminal offence other than (road traffic) motor offences received an official caution for a criminal offence within the last three years other than a (road traffic) motoring offence been declared bankrupt been the subject of any county court judgement (CCJ), winding up order, insolvent liquidation or administration or have made any composition or arrangement with creditors been a director or partner of a company which has gone into insolvency, liquidation, receivership or administration ever been prosecuted for failure to comply with any Health & Safety or Welfare or Environmental Protection legislation. In respect of the business which is the subject of this Insurance contract, or any other business which you, your partners or directors have been involved with, no insurer has ever:- declined, cancelled or refused any proposal of insurance cancelled or declined to renew any insurance imposed special terms or conditions. If any of the above statements are inaccurate you must contact your Insurance Adviser immediately. Material Fact Requirement Material facts are those facts which are likely to influence us in the acceptance or assessment of this proposal and it is essential that you disclose them. If you are in doubt whether a fact is material, you should disclose it, since failure to do so could invalidate your policy, or result in a claim being repudiated. Page 3 of 11 23/04/2015 ACOM4204

4 If at any time anything shall occur materially affecting the risk(s) insured you must as soon as possible give notice to your Insurance Adviser Data Protection Act Allianz Insurance plc together with other companies within the Allianz SE group of companies ( Allianz ) may use the personal and business details you have provided or which are supplied by third parties including any details of directors, officers, partners and employees (whose consent you must obtain) to: provide you with a quotation, deal with the associated administration of your policy and to handle claims; search credit reference, credit scoring and fraud agencies who may keep a record of the search; share with other insurance organisations to help offset risks, administer your policy, for statistical analysis, and to handle claims and prevent fraud; support the development of our business by including your details in customer surveys, for market research and business reviews which may be carried out by third parties acting on our behalf. Allianz may need to collect and process data relating to individuals who may benefit from the policy ( Insured Persons ), which under the Data Protection Act is defined as sensitive (such as medical history of Insured Persons) for the purpose of evaluating the risk and/or administering claims which may occur. You must ensure that you have explicit verbal or written consent from the Insured Persons to such information being processed by Allianz and that this fact is made known to the Insured Persons. If your policy provides Employers Liability cover information relating to your insurance policy will be provided to the Employers Liability Tracing Office (the ELTO ) and added to an electronic database, (the Database ) in a format set out by the Employer s Liability Insurance: Disclosure by Insurers Instrument The Database assists individual consumer claimants who have suffered an employment related injury or disease arising out of their course of employment in the UK whilst working for employers carrying on, or who carried on, business in the UK and as a result are covered by the employers liability insurance of their employers, (the Claimants ): 1. to identify which insurer (or insurers) was (or were) providing employers liability cover during the relevant periods of employment; and 2. to identify the relevant employers liability insurance policies. The Database and the data stored on it may be accessed and used by the Claimants, their appointed representatives, insurers with potential liability for UK commercial lines employers liability insurance cover and any other persons or entities permitted by law. The Database will be managed by the ELTO and further information can be found on the ELTO website Allianz will share your information with Willis Limited for the purpose of managing policy(ies), to assess the conditions of the insurance contract, to deal with claims, to obtain/provide quotations on an ongoing basis and in the normal course of servicing and administering your insurance. Page 4 of 11 23/04/2015 ACOM4204

5 Telephone calls may be recorded for our mutual protection, training and monitoring purposes. Under the Data Protection Act 1998 individuals are entitled to request a copy of all the personal information Allianz Insurance plc holds about them. Please contact the Customer Satisfaction Manager, Allianz Insurance plc, 57 Ladymead, Guildford, Surrey, GU1 1DB. Personal details may be transferred to countries outside the EEA. They will at all times be held securely and handled with the utmost care in accordance with all principles of English law. By applying for and/or entering into this insurance policy you will be deemed to specifically consent to the use of your data and your insurance policy data in this way and for these purposes and that your directors, officers, partners, and employees have consented to our using their details in this way. Page 5 of 11 23/04/2015 ACOM4204

6 Complete Business Amendment Schedule Please note that you must advise your Insurance Adviser of any changes to the risk and items to be covered. Policy Number: 20/SB/ /07 Account Number: 20/13474 Agent: Premier BusinessCare The Insured: Postal Address: Mr David Armstrong Trading As Cormach Engineering Unit 27-28, Lodge Farm Business Centre, Wolverton Road, Castlethorpe, Milton Keynes, Buckinghamshire, United Kingdom, MK19 7ES Additional Premium: Annual Premium: 1, Insurance Premium Tax: Total Additional Premium: Insurance Premium Tax: Total Annual Premium: 2, Effective Date: 30/04/2015 Renewal Date: 01/07/2015 at hrs Business Description: Service & maintenance of industrial machinery Address Unit 27-28, Lodge Farm Business Centre, Wolverton Road, Castlethorpe, Milton Keynes, Buckinghamshire, United Kingdom Postcode MK19 7ES Clauses applicable to the whole policy There are no clauses applicable Section 1 Property Damage Property at Premises Unit 27-28, Lodge Farm Business Centre, MK19 7ES 1. Buildings (including tenant s improvements and landlord s fixtures and fittings) 2. Rent Receivable Indemnity Period Nil 3. Rent Payable Indemnity Period Nil 4. Contents 575 Page 6 of 11 23/04/2015

7 ( 500) 5. Computers and electrical office equipment 6. Portable power tools (for own use) 7. Stock (excluding hazardous stock and stock in the open) 50, Hazardous stock (cigarettes, tobacco, wines, spirits, precious metals and stones, non ferrous metals and portable hand tools) 9. Stock in the open 10. Deterioration of Stock Excess: 250 Flood Excess: 250 Excluded Events: 10, 12 Clauses applicable to this Section C/410/1 - Security Level 1 Section 2 Business Interruption Section 2a Increased Cost of Working Section 3 Book Debts Section 4 Money Section 5 Own Goods in Transit t Insured t Insured t Insured t Insured t Insured Section 6 Specified All Risks Item Description Excess Territorial Limit Sum Insured Survey Equipment 100 EU 1,000 Portable Hand Tools 100 EU 5,000 Section single article limit: 10,000 Section 7 Employers Liability Limit of Indemnity: 10,000,000 Employee Description Clerical staff, commercial travellers and management Employees who do not engage in manual labour Wageroll Page 7 of 11 23/04/2015

8 Woodworking machinists Employees engaged in manual work on the Premises excluding woodworking machinists Employees engaged in manual work away from the Premises excluding the use of heat Employees engaged in manual work away from the Premises including the use of heat 35,000 35,000 Clauses applicable to this Section C/41/1 - Work Away Section 8 Public and Products Liability Item Description 1. Public Liability Limit of Indemnity 5,000,000 Number of Premises 1 Wageroll involving work away from the Premises excluding the use of heat 35,000 Wageroll involving work away from the Premises including the use of heat Payments to Bona Fide Subcontractors Excesses: Work Away excluding the use of heat: 250 All other Third Party Property Damage: Products Liability Limit of Indemnity 5,000,000 Third Party Property Damage Excess: 0 Turnover Turnover UK 250,000 Turnover Europe (excluding UK) Turnover Rest of World (excluding rth America) Turnover rth America Page 8 of 11 23/04/2015

9 Clauses applicable to this Section C/46/1 - Failure to Perform C/505/1 - Manual Work Away Extension - Excluding Heat Section 9 Commercial Legal Expenses All Events Any One Claim Limit - 100,000 with the exception of: Event 2 - Taxation Proceedings, Business Self Assessment Aspect Enquiry only 2,000 Event 11 - Jury Service Allowance 5,000 Event 12 - Contract Disputes - Below Small Claims Limit 50,000 Witness Attendance Allowance 5,000 Period of Insurance aggregate limit 1,000,000 Business Self Assessment Aspect Enquiry Excess 200 Claimants own choice of Legal Representative Excess 500 Master Policy Reference Access to Allianz Legal Online website: providing support in producing business legal paperwork. Click on the Register now box and enter the Registration Code: ALP269A25UK Section 10 Personal Accident Section 11 Theft By Employee Terrorism Property Damage Terrorism Business Interruption Survey Details Premises Unit 27-28, Lodge Farm Business Centre, MK19 7ES: Survey Required t Insured t Insured t Insured t Insured Clauses C/41/1 - Work Away This Section does not cover:- A. any work of demolition except: i. of buildings or part of a building when such work forms part of a contract for reconstruction, alteration or repair by the Insured ii. of other structures not exceeding four meters in height and not forming part of any building B. work in or on: i. aircraft and/or aerospatial devices, runways and/or ancillary areas to which aircraft Page 9 of 11 23/04/2015

10 and/or aerospatial devices have access ii. any vessel or craft or device designed to float in or travel through water and/or harbours and ancillary areas to which such vessels or craft have access C. work on: i. bulk oil, petrol, gas or chemical storage tanks or chambers ii. railways or tunnels iii. blast furnaces, bridges, chimney shafts, collieries, docks, gas works, mines, oil refineries, power stations, pylons, reservoirs, steeples, towers or viaducts D. quarrying, blasting, or diving operations, water diversion, dam construction or work behind dams E. the use of explosives, tunnelling or piling work, underpinning, deliberate de-watering of the site This exclusion shall not apply in connection with the loaning or hiring out by the Insured of any plant for use or any contract not being executed by the Insured. C/46/1 - Failure to Perform This Section does not cover liability in respect of Injury loss or damage caused by or arising out of the failure of any Products to perform their intended function. C/505/1 - Manual Work Away Extension - Excluding Heat Section 8 - Public and Products Liability Exclusion 12 is deleted but this Section does not cover:- A. any process involving the use of blow torches, blow lamps or electric oxy-acetylene or other welding or other flame cutting equipment, hot air guns or angle grinders away from the Insured's Premises B. any work of demolition except: i. of buildings or part of a building when such work forms part of a contract for reconstruction, alteration or repair by the Insured ii. of other structures not exceeding four metres in height and not forming part of any building C. work in or on: i. aircraft and/or aerospatial devices, runways and/or ancillary areas to which aircraft and/or aerospatial devices have access ii. any vessel or craft or device designed to float in or travel through water and/or harbours and ancillary areas to which such vessels or craft have access D. work on: i. bulk oil, petrol, gas or chemical storage tanks or chambers ii. railways or tunnels iii. blast furnaces, bridges, chimney shafts, collieries, docks, gas works, mines, oil refineries, power stations, pylons, reservoirs, steeples, towers or viaducts E. quarrying, blasting or diving operations, water diversion, dam construction or work behind dams F. the use of explosives, tunnelling or piling work, underpinning or deliberate de-watering of the site This exclusion shall not apply in connection with the loaning or hiring out by the Insured of any plant for use on any contract not being executed by the Insured. The following additional Section Condition also applies : 4 Underground Services It is a condition precedent to any liability of the Insurer in respect of Damage to pipes cables mains or other underground services arising out of or caused by digging drilling boring excavation or earth moving operations that A. the Insured shall prior to the commencement of such work i. have made enquiries with the owner or relevant authority responsible as to the location Page 10 of 11 23/04/2015

11 20/SB/ /07 23/04/2015 ACOM 4204 ACOM 4172 ACOM 4177 ACOM 4205 of existing pipes cables mains or other underground services and shall have received written confirmation or have confirmed any conversation in writing ii. carry out investigation using remote electrical devices to locate existing pipes cables mains or other underground services where practicable iii. convey the location of such pipes cables mains and underground services to those Employees or contractors carrying out such work on behalf of the Insured B. the Insured shall adopt or cause to be adopted a method of work which minimises the risk of Damage to pipes cables mains and other underground services C. the Insured shall retain a full written record of the enquiries and measures taken to locate and minimise the risk of Damage to such pipes cables mains and other underground services C/410/1 - Security Level 1 Security Level 1 as specified in Policy Condition 24 of the policy wording This clause is applicable to the following premises: Unit 27-28, Lodge Farm Business Centre, MK19 7ES Page 11 of 11 23/04/2015