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NB. the contents sum insured should reflect the full replacement cost of ALL of your office contents (inc. computer & electronic office equipment), where computer and electronic equipment exceed £20,000 a NACOSS Central Station Level One Police Response Alarm is required.
AUTOMATIC POLICY EXTENSIONS:
Employers’ Liability Limit of indemnity £10,000,000
Indemnity in respect of your legal liabilities to employees for death, bodily injury or disease arising out of or in the course of their employment. N.B. As an employer you are legally responsible for accidents which may result from the acts or omission of your employees, the liability extends under common law to the payment of compensation to injured employees.
Public Liability Limit of indemnity £2,000,000
Indemnity in respect of your legal liability to third parties for accidental death, bodily injury or disease or damage to third party property arising out of your business .
Business Interruptions
Increased Costs of Working: £25,000 (please refer if higher sum required)
Portable Business Equipment
Cover is automatically provided for portable business items (e.g. laptops & mobile phones) taken outside the premises world-wide up to a limit of £2,000
Business Money
In transit , in occupied home or in bank safe: £2,000
In safe in unoccupied home £1,000
Out of safe in unoccupied home: £500
POLICY BENEFITS:
* Free 24 hour legal and tax helpline
* Free 24 hour claims helpline
TERMS & CONDITIONS:
- £250 policy excess
- Satisfactorily completed proposal form and payment of premium
- Excludes war and terrorism cover - separate quotation available on request
- Excludes ‘manual activities’ - please refer if cover required
- Minimum & deposit premiums - return premiums are not usually available in the event of policy cancellation mid-term
- Standard policy wordings and warrantees
Security Requirements:
It is a condition of the policy that the following minimum levels of security are fitted and in operation whenever the premises are closed for business. Otherwise, we regret that no theft insurance will be given.
Window locks are fitted to all accessible windows and fanlights (please check for any adjacent roof)
The final exit door, or the actual door/s to your own office if in a shared building, is fitted with a five lever mortice deadlock (to BS3621) and hinge bolts (where the hinges are exposed on the outside of the door)
All other external doors are fitted with
- a five lever mortice deadlock (to BS3621)
- hinge bolts (where the hinges are exposed on the outside of the door)
- rack bolts to top and bottom
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