Schedule for Your Domiciliary Care Insurance policy 15 September 2015 RENEWAL Introduction Schedule contents Policy details This Schedule forms part of Your policy. Please keep it safe in Your policy folder. Policy details Summary of cover Details of cover General endorsements Policy number Useful information about Your policy. Shows You what is insured and what is not insured under the cover options You have taken. Split by cover type and repeated for each premises insured. There may be differences in the cover selected between premises, so please check the details carefully. that apply to this policy. AV09/00769/24980761CHC Effective Date 16 September 2015 Policy Expires 15 September 2016 Annual premium 2,024.61 Insurance Premium Tax 121.48 Premium due inclusive of Insurance Premium Tax 2,146.09 Important If the information in The Schedule is incorrect or incomplete, or if the insurance does not meet Your requirements, please tell Us as soon as possible. You are reminded of the need to tell Us immediately of any facts or changes which We would take into account in Our assessment or acceptance of this insurance as failure to disclose all relevant facts may invalidate Your policy, or may result in the policy not operating fully. Your annual insurance premium may include an amount or amounts for additional services. There may be a charge if the premium is being collected by instalments. Please read your documentation carefully to ensure You know how much You are paying in total. Contact details Policyholder The Private Care Company Limited Your Insurance Adviser Arthur J. Gallagher Insurance Brokers Temple Point 7 th Floor 1 Temple Row Birmingham B2 5LG Aviva Insurance Limited Registered in Scotland No 2116 Registered Office Pitheavlis, Perth Scotland PH2 0NH Authorised and regulated by the Financial Conduct Authority.
Summary of Cover There may be differences in the cover selected between premises, so please check the details carefully. The Business: Providers of Home Care Services comprising personal care, bathing/dressing, administering of prescribed/non prescribed medicines, night care, carers respites service, cleaning/cooking/househo ld tasks, shopping & laundry, handyman & gardening services. Cover Asset Sections You ve chosen to Cover Property Damage - All Risks Computer Theft Business All Risks Money and Assault Glass Sections You ve chosen not to Cover Employee Dishonesty Revenue Business Interruption Book Debts Asset and Revenue Terrorism Legal Liabilities Employers Liability Public and Products Liability Commercial Legal Directors and Officers Liability
Property Damage All Risks Risk 1 You will pay the first 100 in respect of Damage caused by fire, lightning, explosion, aircraft, riot, civil commotion, strikers, locked out workers, persons taking part in labour disturbances and earthquake. 100 in respect of Damage caused by malicious persons, storm, flood, escape of water from any tank, apparatus or pipe and impact. 100 for all other insured Damage other than any Additional Contingency is applicable. 1,000 in respect of Additional Contingency Subsidence The Premises: Basement Offices, 51A Church Road, Hove, East Sussex, BN3 2BD Description/Occupation of Property Insured : Building of standard construction occupied as offices Item Description Sum Insured 1 Buildings including landlords fixtures and fittings outbuildings, extensions and annexes adjoining or communicating with the building to which this Item relates and boundary walls, gates and fences at The Premises except where such property is more specifically insured. 2 Machinery, plant and All Other Contents belonging to You or held in trust for which You are responsible, at The Premises excluding 1. landlords fixtures and fittings 2. Stock and Material in Trade 3. property more specifically insured. 15,000.00 3 Property as more fully described in The Schedule (Contents) Total Sum Insured 15,000.00 Additional Contingencies Subsidence Additional Clauses Not Applicable Day One Basis of Settlement The following items are subject to Day One Basis of Settlement Item 1 - Declared Value - Item 2 - Declared Value - The following paragraph is deleted from the Day One Basis of Settlement Additional Clause. (4)The maximum We will pay in respect of each separate location subject to this Clause is as stated in The Schedule. The limit in respect of each separate premises under Day One Basis of Settlement Paragraph (4) is.. Additional Conditions Policy Condition Index Linking applies to Item(s): Not Applicable Endorsements Item 3 refers to (Not Applicable)
Endorsements (continued) Theft Risk 2 You will pay the first 100 of each and every claim. The Premises : As previously noted The Business : Domiciliary Care Agency Item Property Insured Sum Insured 1 Machinery, plant and All Other Contents belonging to You or held in trust for which You are responsible, at The Premises. 2 Stock and Materials in Trade belonging to You or held by You in trust or on commission for which You are responsible, at The Premises. 3 Stock in Trade consisting of tobacco, cigars and cigarettes, at The Premises. 4 Stock in Trade consisting of wines and spirits, at The Premises. 5 Stock in Trade consisting of audio and visual equipment at The Premises. 6 Stock in Trade consisting of Nonferrous metals at The Premises. 15,000.00 7 Residents Effects Total Sum Insured 15,000.00 Additional Clauses Day One Basis of Settlement Item 1 is subject to the Day One Clause. The Declared Value is not applicable Additional Conditions Visible Signs Minimum Security Policy Condition Index Linking applies to Item(s): Not Applicable
Computer Risk 3 The Premises : As previously noted The Business : Domiciliary Care Agency Damage to Equipment Item Description Date of Sum Insured Make 1 Specified Computer. 7,500.00 Equipment including Portable Equipment 100 2 Misc.. Total Sum Insured 7,500.00 Additional Conditions Visible Signs Minimum Security Business All Risks The Premises As previously noted Risk 4 You will pay the first 100 of each and every claim (other than Damage caused by Fire, Lightning or Explosion) Item Property Insured Sum Insured 1 Portable electronic and photographic equipment including portable computer equipment, digital and nondigital cameras, mobile telephones, television, DVD and audio equipment all designed to be carried by hand, excluding portable hand tools, portable office equipment, specialist trade equipment and all personal effects 1,000.00 Total Sum Insured 1,000.00 Item 1 is insured anywhere in the United Kingdom including Transit. Policy Condition Index Linking applies to Item(s): Not Applicable Additional Clause Portable Computer Equipment
Money and Assault Risk 5 Money Estimated annual amount of money in transit (other than money described in Item 1 below). 100,000 Item No 1 Postal and money orders, bankers drafts, cheques and giro cheques crossed warrants, bills of exchange and securities for money postage, revenue, national insurance and holiday with pay stamps national insurance and holiday with pay cards, national savings certificates, war bonds, premium savings bonds and franking machine impressions credit company sales vouchers, luncheon vouchers and trading stamps VAT invoices. Limit Any One Loss 250,000 The following Items exclude money as described in Item 1 2 Money not contained in locked safe in 250 (a) The Premises outside Business Hours (b) private dwelling houses of Your principals or authorised Employees 500 3 Money contained in specified locked safes outside Business Hours 500 4 Money on The Premises during Business Hours or in a bank night safe 3,000 5 Any other loss of Money 3,000 Additional Condition Money In Transit Assault COMPENSATION BY CONTINGENCY NUMBER 1 2 3 4 5 6 10000 10000 10000 10000 100 PER 50 PER WEEK WEEK Policy Condition Index Linking applies to Item(s): Not Applicable
Glass Risk 6 The Premises The Business As previously noted Domiciliary Care Agency Cover Applicable: All External and Internal Glass including Sanitary Fittings The first 250 of each and every claim Employee Dishonesty Risk 7 Limit of Indemnity Wageroll Policy Condition Index Linking Not Applicable Business Interruption Risk 8 The Premises : As previously noted The Business : Domiciliary Care Agency Item Description Total Estimated Amount 1 On Revenue 1,000,000.00 Total Sum Insured 1,000,000.00 The Maximum Indemnity Period is 12 months. The insured item(s) is/are more particularly described in the Revenue Sum Insured Basis specification attached to and forming part of The Schedule The Revenue is defined as: The money paid or payable for the provision of care Contingencies Theft All Risks Additional Contingencies Prevention of Access Extension - 100,000 limit Failure of Electricity Supply - 100,000 limit Failure of Gas Supply - 100,000 limit Failure of Water Supply - 100,000 limit Specified Disease - 100,000 limit Failure of Telecommunications - 100,000 limit Additional Increased Cost of Working - 10,000 limit Policy Conditions
Business Interruption Risk 9 The Premises : As previously noted The Business : Domiciliary Care Agency Item Description Total Estimated Amount 2 On Gross Rentals Total Sum Insured The Maximum Indemnity Period is 12 months. The insured item(s) is/are more particularly described in the Revenue Sum Insured Basis specification attached to and forming part of The Schedule The Revenue is defined as: The money paid or payable for the provision of care Contingencies Theft All Risks Additional Contingencies Policy Conditions Book Debts Risk 10 The Premises The Business As previously noted Domiciliary Care Agency Item Description Sum Insured 1 Book Debts 50,000.00 Total Sum Insured 50,000.00 Contingency Applicable All Risks Additional Condition Fire Resisting Storage Policy Condition Index Linking applies to Item(s): Not Applicable
Employers Liability Risk 11 Limit of Indemnity 10,000,000 1 Employers Liability certificate is attached. It is recommended that You retain a copy of each Employers Liability certificate issued to You. Policy Conditions Index Linking applies to Item(s): Not Applicable Public and Products Liability The Business Domiciliary Care Agency Limit of Indemnity 10,000,000 Risk 12 Third Party Property Damage Excess 100 Public Liability Description of Activities As per business description Products Liability Great Britain, the Isle of Man and the Channel Islands Description of Activities As per business description Additional Endorsements Products Supplied Restriction Policy Conditions Endorsements
Commercial Legal Risk 13 The Business: Domiciliary Care Agency Cover Operative Contingencies 1A 8 Rating Basis Turnover Limit of Indemnity 100,000.00 Directors and Officers Risk 14 Limit of Indemnity: Not Applicable Territory (applicable to all insuring clauses) : United Kingdom Prior/Pending Dates:. Directors and Officers Liability Corporate Reimbursement - Terrorism Asset Risk 15 /Excesses As detailed in the sections of this policy where the Head of Cover is otherwise insured The Premises As detailed in the sections of this policy where the Head of Cover is otherwise insured but only in England, Wales and Scotland but not the territorial seas adjacent thereto as defined by the Territorial Sea Act 1987 nor the Isle of Man or Channel Islands The Property Insured As detailed in the Sections of this policy where the Head of Cover is otherwise insured. Sums Insured/Limits of Indemnity As detailed in the Sections of this policy where the Head of Cover is otherwise insured Terrorism Revenue Risk 16 /Excesses As detailed in the sections of this policy where the Head of Cover is otherwise insured The Premises As detailed in the sections of this policy where the Head of Cover is otherwise insured but only in England, Wales and Scotland but not the territorial seas adjacent thereto as defined by the Territorial Sea Act 1987 nor the Isle of Man or Channel Islands The Property Insured As detailed in the Sections of this policy where the Head of Cover is otherwise insured. Sums Insured/Limits of Indemnity As detailed in the Sections of this policy where the Head of Cover is otherwise insured
Deterioration of Drugs and Vaccines Under Asset Property Damage All Risks We will indemnify You in respect of Damage by deterioration or contamination to drugs and vaccines belonging to You or for which You are responsible while contained in any refrigeration unit due to (a) a change in temperature as a result of (i) (ii) (iii) the breaking, distortion or burning out of any part of the unit, unit wiring, supply cable to the unit, including the plug and fuse caused by mechanical or electrical defects in the unit while it is being used under normal working conditions failure of temperature controls to operate correctly accidental failure of the public electricity supply but only if this is not deliberately caused by the supply authority (b) accidental leakage of refrigerant or refrigerant fumes from the unit. The maximum We will pay in respect of any one claim is (a) 10,000 or (b) 15,000 during the months of September, October and November or for any other period selected by You and stated in The Schedule. We will not indemnify You in respect of: (1) damage caused by. (a) (b) wear and tear, deterioration or gradually developing flaws or defects in the unit failure to correctly set any temperature controls (2) the first 100 of each and every loss following the application of average where Damage involves refrigeration units over five years old at the time of Damage. Theft Cover Amendment Cover under the Asset Theft section is amended to read as follows: Cover We will indemnify You in respect of Damage occurring during the Period of Insurance. (1) in The Premises (2) in respect of buildings at The Premises where you are responsible for repairs caused by (a) (b) theft or attempted theft from The Premises theft involving violence or threat of violence to You, Your partners, directors or Employees. The Sum Insured under each item other than items applying solely to private dwelling houses or churches is separately subject to Average. See Condition 1. The maximum We will pay under this Section in any one Period of Insurance will not exceed (1) the Sum Insured on each item or (2) the Total Sum Insured or (3) any other maximum amount payable or limit of liability specified in The Schedule.
Breach of Professional Duty Extension Notwithstanding Exception 6, the Public and Products Liability Section is extended to indemnify The Insured against legal liability for Compensation and Costs and Expenses arising out of the conduct of The Business, for claims first made against The Insured and notified in accordance with the Special Conditions, arising from any breach of professional duty as a direct result of any negligent act, error or omission. Our total liability under this extension, which is part of and not in addition to the Limit of Indemnity applicable to the Public and Products Liability Section, shall not exceed 2,000,000 in any one Period of Insurance. We will not be liable for the first 250 or any lesser amount for which a claim or loss may be settled. In respect of this extension, the following Additional Exclusions and Special Conditions apply: Additional Exclusions We will not be liable under this extension in respect of any a) claim caused by or contributed to by any dishonest, fraudulent, criminal or malicious act or omission b) claim, circumstance that might give rise to a Claim or loss which i) has been notified under any other insurance attaching prior to the inception of this extension, ii) The Insured was or should, after reasonable enquiry, have been aware of prior to the inception of this extension. c) liability arising out of or relating directly or indirectly to the insolvency or bankruptcy of The Insured d) liability arising out of, caused by, or relating to any manufacturing defect in any goods or products supplied by The Insured e) infringement of copyright, patents, registered designs, trade marks or passing-off by The Insured f) claim arising from any defamation unless The Insured can show that it was committed by The Insured in good faith g) claim or loss arising directly or indirectly out of, or in connection with a) the provision of, or failure to provide any diagnosis or medical or surgical treatment b) the provision of, or failure to provide drugs or prescription drugs c) the activities of any medical or dental practitioner Special Conditions The following Special Conditions replace Policy Condition 4a It is a condition precedent to our liability under this extension that (1) The Insured must give written notice to Us as soon as practicable if, during the Period of Insurance, The Insured a) receives any claim or b) receives any notice of intention to make a claim In the event that it is not possible to give Us such notice before the end of the Period of Insurance then the Insured must do so not later than 10 days after the end of the Period of Insurance. (2) If The Insured becomes aware of any circumstance that might give rise to a claim or loss, The Insured must give written notice to Us of such circumstance as soon as practicable and in any event not later than the last day of the Period of Insurance. Any claim or loss subsequently arising from any circumstance notified to Us shall be deemed to have been made during the Period of Insurance in which the notice of such circumstance was first received by Us.
Theft of Customers Property Cover is extended under the Public and Products Liability Section to include Damage in respect of any one event or all events of a series consequent on or attributable to one original cause of theft of money or material property belonging to the Insured s customers by any Employee occurring during any Period of Insurance anywhere within the Territorial Limits in connection with the Insured s Business subject to a maximum limit any one claim of 25,000 Care and Treatment Applicable to the Public and Products Liability Section CARE AND TREATMENT (1) We will indemnify The Insured against (i) (ii) legal liability for Compensation and Costs and Expenses in respect of accidental Bodily Injury occurring anywhere within The Territorial Limits during the Period of Insurance in connection with The Business caused by professional errors, omissions or neglects in the provision of professional medical and care services. (2) The maximum We will pay is the Limit of Indemnity as shown in the Schedule. (3) If in relation to any claim You have failed to fulfil any of the following condition You will lose Your right to indemnity or payment for that claim. You must ensure: (i) (ii) all treatment is only undertaken by Employees who are suitably trained and where appropriate, qualified. the relevant National Minimum Standards are complied with in respect of the administration of controlled drugs. (4) We will not provide indemnity in respect of (i) legal liability arising from the activities of any medical or dental practitioners Retrospective Legal Expenses Cover This Section is extended, subject otherwise to its terms and conditions, to indemnify the Insured Person in respect of Contingencies caused in the six months prior to inception of this insurance but for which a claim is first made against the Insured Person during the Period of Insurance. This extension shall apply only insofar as the Insured Person is unable to obtain indemnity under any previous policy of insurance in respect of legal expenses, provided that the failure of the Insured Person to obtain indemnity under a previous policy is not due to a restrictive clause on such policy or the breach of a policy condition, non-disclosure or misrepresentation.