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Recommended by the Angling Trades Association
Commercial Combined Insurance Policies tailored to the needs of the tackle industry including retailers, manufacturers and wholesalers. Underwritten by Royal & Sun Alliance. Cover is available for the following:
| a. |
Full ‘All Risks’ cover for loss of or damage to your stock, goods held in trust and all other contents on your premises |
| b. |
Personal Effects standard limit £2500
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| c. |
Personal Effects in open, standard limit £1000
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| d. |
Portable business equipment can also be covered away from your premises, anywhere in the EC |
| e. |
Free 30% increase in your cover for Stock for any three months of each year |
| f. |
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) |
| g. |
£250 claims excess |
| a. |
Full ‘All Risks’ cover for damage to buildings, including landlord's fixtures and fittings |
| b. |
£250 claims excess
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| c. |
Subsidence cover usually available, subject to £1,000 claims excess
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| d. |
Cover automatically includes costs and expenses incurred following a loss in |
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removing debris |
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paying architects' fees
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complying with EC legislation or local authority requirements
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| a. |
Breakage of all internal and external glass |
| b. |
Including damage to window and door frames (limit £2,000) |
| c. |
Including the cost of boarding up if necessary |
| d. |
Including damage to sanitary fittings |
| e. |
£100 claims excess |
| a. |
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 / WW |
| b. |
£250 claims excess |
| a. |
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 |
| b. |
£250 claims excess |
| a. |
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. |
| b. |
Automatic cover up to £5,000 |
| a. |
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. |
| b. |
Accounts Receivable automatically included for £10,000. |
| c. |
Unspecified Suppliers Extension |
| a. |
Loss resulting from you being unable to trace debtors following damage to your accounting records by any cause insured by the Contents section including damages while in transit. |
| b. |
Includes reasonable costs you incur in tracing debit balances in customers’ accounts. |
| c. |
Automatic cover up to £25,000 |
| Loss of cash, crossed cheques, crossed postal or money orders, credit card sales vouchers, National Insurance Cards and other non-negotiable instruments: |
| a. |
In transit £5,000 |
| b. |
On your premises during business hours £5,000 |
| c. |
On your premises outside of business hours in a locked safe or strongroom £1,000 |
| d. |
On your premises outside of business hours but not in a safe £500 |
| e. |
On your premises outside of business hours in a locked safe or strongroom £1,000 |
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:
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| a. |
Death £10,000 |
| b. |
Total loss or permanent and total loss of use of one or more limbs £10,000 |
| c. |
Total and irrecoverable loss of all sight in one or more eyes £10,000 |
| d. |
For any period up to a maximum of 2 years of total disablement from engaging in usual occupation £100 p/w |
| e. |
On your premises outside of business hours in a locked safe or strongroom £1,000 |
| a. |
Covers your legal liability to employees for bodily injury or disease caused in the course of their employment by you up to £10,000,000. |
| b. |
Cover includes associated legal costs and expenses. |
| a. |
aCovers your legal liability for injury to the public or loss or damage to their property up to £5,000,000. |
| b. |
Cover also applies to claims for injury caused by products which you have sold or supplied |
| c. |
Public Liability Extension available for fishing lakes |
| d. |
£250 claims excess (applicable to damage to third party property only) |
| Cover automatically includes: |
| i) |
Consumer Protection Act 1987 (Part II) prosecution and defence costs |
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:
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| a. |
Employment costs and awards |
| b. |
Data protection |
| c. |
Criminal prosecution |
| d. |
Property disputes |
| e. |
Personal injury |
| f. |
VAT and tax investigations |
| g. |
Loss adjusters fees |
| h. |
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.
Cover for loss or damage caused by acts of Terrorism for risks located in England, Scotland or Wales is usually available for an additional premium. Please contact Sporting Insurance Services on 020 7335 1648 if you require a Terrorism quotation.
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: |
| a. |
timber doors - by mortice deadlocks having five or more levers or conforming to BS3621 fitted in conjunction with 7" box steel striking plates |
| b. |
aluminium doors - by cylinder mortice lock operating a swinging lock bolt |
| c. |
PVCU doors - by key operated multi-point locking devices |
| d. |
the first closing leaf of double leaf doors must be fitted internally with bolts top and bottom |
| e. |
All other external doors and internal doors leading to common areas or other premises, must be secured by the means set out in a. or by key operated security bolts fitted top and bottom |
| All accessible windows must be: |
| a. |
fitted with key operated window locks or fixed permanently shut |
Any other security measure stipulated or agreed must be confirmed 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.
To apply for cover, or simply to discuss your insurance requirements,
simply Contact Us
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