|
-
Full ‘All Risks’ cover
for loss of or damage to your stock, goods held
in trust and all other contents on your premises
- £250 claims excess
-
Portable business equipment can
also be covered away from your premises, anywhere
in the EC
- Free 30% increase in your cover for Stock for any three months of each year
-
Free cover for property temporarily
removed to other premises including outworkers,
repairers and other sub contractors (limit 15% of
the stock and goods in trust sum insured)
-
Free cover for testing of guns
away from your premises (limit 15% of the stock
and goods in trust sum insured)
-
Full ‘All Risks’ cover
for damage to buildings, including landlord's fixtures
and fittings
- £250 claims excess
- Subsidence cover usually available, subject to £1,000 claims excess
- Cover automatically includes costs and expenses incurred following a loss in
-
- removing debris
- paying architects' fees
- complying with EC legislation or local authority requirements
- Breakage of all internal and external glass
- Including damage to window and door frames (limit £2,000)
- Including the cost of boarding up if necessary
- Including damage to sanitary fittings
- £100 claims excess
-
Full ‘All Risks’ cover
for property insured by the Contents section whilst
at or in transit to or from any trade exhibition
or fair in the EC
- £250 claims excess
-
Loss or damage to your property
or property for which you are responsible whilst
in the course of transit anywhere within the UK
and European Community, either in your own vehicle(s)
or by carriers
- £250 claims excess
-
Loss of frozen or refrigerated
stock due to failure of the power supply, breakdown
of the appliance in which it is stored or the action
of refrigerant fumes
-
Loss of gross profit and reasonable
additional expenditure incurred to maintain your
business for a specified period (usually 1, 2 or
3 years) following damage by any cause insured by
the Contents or Buildings section.
Loss of cash, crossed cheques, crossed
postal or money orders, credit card sales vouchers,
National Insurance Cards and other non-negotiable instruments:
- In transit
- On your premises during business hours
- On your premises outside of business hours in a locked safe or strongroom
- On your premises outside of business hours but not in a safe
- In the private dwelling of a director, partner or other authorised employee
Death or disablement of employer or
employees aged between 16 and 65 caused by injury sustained
as a result of actual or attempted physical assault,
robbery or hold-up.
This section has the following benefits:
- Death and permanent injury (capital sum benefit paid)
- Temporary total injury (weekly benefit paid)
- Temporary partial injury (weekly benefit paid)
- Incurred medical expenses benefit
Covers your legal liability to
employees for bodily injury or disease caused in the
course of their employment by you. Cover includes associated
legal costs and expenses.
Covers your legal liability for injury to the public
or loss or damage to their property.
Cover also applies to claims for injury caused by products which you have sold or supplied.
Cover automatically includes:
- Testing of guns both at and away from your premises
- Consumer Protection Act 1987 (Part II) prosecution and defence costs
£250 claims excess (applicable to damage to third party property only)
This section is underwritten by Temple Legal Protection
Ltd and provides cover of £50,000 or £100,000
in connection with statutory licence disputes (including
RFD certificate).
Option to include:
- Employment costs and awards
- Data protection
- Criminal prosecution
- Property disputes
- Personal injury
- VAT and tax investigations
- Loss adjusters fees
- Jury Service benefit (limit £100 per day, maximum £1,000)
£250 claims excess (not applicable to Jury Service benefit section).
There is no cover whatsoever under this policy for loss or damage caused by an act of Terrorism.
Unless we tell you otherwise the cover we offer you
and the premium we charge assume that your premises
is/are of standard construction (i.e. non-combustible,
such as brick or stone walls, concrete floors and staircases
and a slate or tiled roof), well maintained and in particular,
the doors, door frames and window frames are in good
condition.
The provision of theft cover is dependent on minimum
security measures which must be operative overnight
and when the premises are unoccupied. The minimum standards
of security are written into the policy wording and
are as follows:-
-
Final exit doors must be secured as follows:
-
timber doors - by mortice
deadlocks having five or more levers or conforming
to BS3621 fitted in conjunction with 7"
box steel striking plates
- aluminium doors - by cylinder mortice lock operating a swinging lock bolt
- PVCU doors - by key operated multi-point locking devices
- the first closing leaf of double leaf doors must be fitted internally with bolts top and bottom
-
All other external doors and internal doors leading to common areas or other premises, must be secured:
- by the means set out in or
- by key operated security bolts fitted top and bottom
-
All accessible windows be:
- fitted with grilles or shutters AND/OR
- fitted with key operated window locks or fixed permanently shut
- Any security measure stipulated or agreed in writing by the insurers
Any door or window officially designated a fire exit by the Fire Authority is excluded from these requirements.
In the majority of cases, an intruder
alarm will also be a requirement of the policy. Unless
we specify otherwise the alarm must be installed and
maintained by a NACOSS approved security company and
connected to a central monitoring station incorporating
BT RedCare line monitoring. (NACOSS is the National
Approval Council for Security Systems).
Further security measures may
be required or recommended if the insurance company
carries out a survey, which will be at the discretion of the insurers.
 Proposal forms
To apply for cover, or simply to discuss your insurance requirements, simply Contact Us
|
