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Insurances In Summary
Care Custody and Control
This section covers your legal liability for accidental
loss of or injury to animals that are in your care, custody or
control, up to limits of £5,000 any one animal.
Not insured;
- your own animals
- breach of professional duty
- medical or surgical treatment (other than the insertion of
a microchip or similar identity device)
- any pre-existing physical or medical defect, disability or
condition
- the first £50 of each claim.
Employers Liability
This section protects you as required by the law relating to the
compulsory insurance of legal liability to employees whilst they
are employed in Great Britain, the Isle of Man or the Channel
Islands.
The limit of indemnity is £10,000,000 (£5,000,000
if liability arises out of terrorism) any one cause inclusive
of all legal costs.
The cover is extended to include legal costs incurred in the
defence of criminal proceedings brought for a breach of the Health
and Safety at Work Act 1974, up to a limit of £10,000 in
any one period of insurance.
If we require you or any of your directors, partners or employees
to attend court as a witness in connection with any claim under
this section we will provide compensation of up to £250
for each day of attendance.
Material Damage/Equipment Insurance
This section covers your portable tools, utensils and equipment
against loss or damage occurring anywhere in Great Britain, the
Isle of Man or the Channel Islands caused by fire, lightning,
explosion, aircraft, theft, riot or civil commotion, malicious
damage, earthquake, impact, storm, flood, escape of water or oil
or falling trees or branches.
The sum insured you select should represent the full replacement
value of the property.
Not insured;
- theft from any unattended vehicle
- subsidence, heave or landslip
- damage by storm, flood or escape of water or oil to property
in a basement or outbuilding unless it is stored 100mm clear
of the floor
- terrorism
- the first £100 of each claim.
Professional Indemnity
This section covers your legal liability to pay damages for breach
of professional duty by reason of negligence, error or omission
in connection with your business, up to a limit of £200,000
in any one period of insurance inclusive of all legal costs.
The cover can be extended to include liability incurred by any
of your employees.
The cover includes compensation for court attendance as a witness,
up to £250 per day.
Not insured;
- libel or slander
- circumstances known about prior to the commencement of the
insurance
- diagnosis or medical or surgical treatment given, performed
or administered
- wilful, dishonest or fraudulent acts
- the first £200 of each claim.
Public Liability
This section covers your legal liability for injury to persons
other than employees, and for damage to property, up to a limit
of £3,000,000 plus legal costs.
The cover includes;
- compensation for court attendance as a witness, up to £250
per day
- your legal liability arising out of the use of another person’s
vehicle for your business purposes if it is not otherwise insured
- legal costs incurred in the defence of criminal proceedings
for breach of the Health and Safety at Work Act 1974, up to
£10,000 in any one period of insurance
- liability for damage to premises leased, hired, rented or
in your custody or control (excluding the first £250).
Not insured;
- liability for loss of or injury to animals in your care,
custody or control
- liability arising out of any products sold or supplied
- breach of professional duty
- liability arising out of asbestos or its derivatives
- terrorism
- the first £100 of each claim for damage to property.
 Download
Full Summary of Cover
Online Enquiry Form |
Online Quotation Form
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