This statement provides a summary of cover provided.
If you would like full terms and conditions, or for any specific
exclusions and conditions please refer to the policy document (On
Request).
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EMPLOYERS LIABILITY |
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| Significant features and benefits |
Significant and unusual exclusions
or limitations |
Section of the policy that contains
further details |
Covers Legal Liability for bodily injury including death illness
and disease sustained by an employee whilst they are working
in connection with the business.
Including Legal Costs and Solicitors Fees. |
- Radioactive Contamination
- War Risks
- Manual work and/or leisure activities in North America
- Hazardous Locations
- Terrorism
- Asbestos |
 General
Exceptions |
Limit of Liability: £10,000,000 any one claim. |
- Offshore Installations
- Motor Vehicles |
Employers
Liability Exceptions |
Unsatisfied Court Judgements |
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Employers Liability Exceptions |
Indemnity to other persons |
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Extensions to cover |
Health & Safety Defence Costs |
Payment of fines or penalties |
Extensions to cover |
Compensation for Court Attendance Costs any director or partner
£250 per day. Any employee £100 per day |
|
Extensions to cover |
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PUBLIC LIABILITY |
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| Significant features and benefits |
Significant and unusual exclusions or limitations
|
Section of the policy that contains further
details |
|
Covers Legal Liability for bodily injury or death to any person
and damage to third party property during the period of insurance
in connection with the business.
Including Legal Costs and Solicitor's Fees.
|
- Radioactive Contamination
- War Risks
- Manual Work and/or Leisure activities in North America
- Date Change Exclusion
- Pollution
- Professional Indemnity
- Hazardous Locations
- Terrorism
- Asbestos
- Electro Magnetic Fields
- Genetically Modified Organisms
- Transmissible Spongiform Encephalopathy |
General
Exceptions |
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- Employers Liability
- Damage to property in custody or control of the Insured
- Libel or slander
- Infringement of plans, copyrights, Trademarks etc
- Deliberate actions
- Products Liability
- Fines & Penalties
- Aircraft, Watercraft, drilling rigs etc
- Mechanically propelled vehicles requiring security under RTA
Act
- Contractual Liability |
Public
Liability Exceptions |
Limit of Liability: £1,000,000 with an option to increase
to £2,000,000 or £5,000,000 for most trades. |
- Any one occurrence or series of occurrences consequent on
one original cause
- Property damage excess £250 increasing to £500
in NI or as stated in the schedule |
Public Liability Insurance Cover |
Indemnity to Other Persons |
|
Extensions to cover |
Health & Safety Defence Costs |
Payment of fines or penalties |
Extensions to cover |
Compensation for Court Attendance Costs any director or partner
£250 per day. Any employee £100 per day |
|
Extensions to cover |
Defective Premises Act 1972 |
- Cost of repairing defects
- Damage to such premises |
Public Liability Extensions |
Leased and Rented Premises |
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Public Liability Extensions |
Wrongful Arrest |
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Public Liability Extensions |
Overseas Personal Liability |
- Where indemnity is provided by any other insurance
- Ownership or use of wild animals, firearms, mechanically propelled
vehicles, aircraft or water craft
- Ownership or occupation of land or buildings
- Carrying on of any trade or profession |
Public Liability Extensions |
Data Protection Act |
Various refer policy wording for full details |
Public Liability Extensions |
Contingent Liability for Employees Vehicles |
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Public Liability Extensions |
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PRODUCTS
LIABILITY |
|
| Significant features and
benefits |
Significant and unusual exclusions
or limitations |
Section of
the policy that contains further details |
Covers Legal Liability for bodily injury and death to any person
and damage to third party property including Legal Costs and
Solicitor's Fees. Happening anywhere in the world during the
period of insurance and caused by Products sold, supplied, repaired,
altered, treated, installed, serviced, tested or processed in
connection with the business. |
- Radioactive Contamination
- War Risks
- Manual Work and/or Leisure activities in North America
- Date Change Exclusion - Liability
- Pollution
- Professional Indemnity
- Hazardous Locations
- Terrorism
- Asbestos
- Electro Magnetic Fields
- Genetically Modified Organisms
- Transmissible Spongiform Encephalopathy |
General
Exceptions |
| |
- Employers Liability
- Damage to property in custody or control of the Insured
- Libel or slander
- Infringement of plans, copyrights, trade marks etc
- Recall, repairing, reconditioning, replacing or testing any
product
- USA/Canada products
- Aircraft, aerial devices, hovercraft, waterborne craft, marine
or aviation products |
Products
Liability Exceptions |
Limit of Liability: £1,000,000 with an option to increase
to £2,000,000 or £5,000,000 for most trades. |
- In the aggregate
- Property damage excess £250 increasing to £500
in NI or as stated in the schedule |
Products Liability Insurance Cover |
Indemnity to Other Persons |
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Health & Safety Defence Costs |
Payment of fines or penalties |
Extensions to cover |
Compensation for Court Attendance Costs any director or partner
£250 per day, any employee £100 per day |
|
Extensions to cover |
Consumer Protection Act 1987 - Defence Costs |
- Payment of fines or penalties
- Deliberate acts or omissions |
Products Liability Extensions |
