|
NB. the contents sum insured should reflect the full replacement cost of ALL of your office contents (inc. computer & electronic office equipment) - the policy covers up to £1,000 stock, if additional cover is required please refer.
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: £10,000 (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 £1,500
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:
Minimum levels of physical security required:
- Main entrance door: 5-lever mortice deadlock to British Standard 3621, or rim deadlatch with key locking handle on inside.
- Other external doors including patio doors: as above, or with Key Operated bolts top and bottom in addition to existing locks.
- Sliding patio doors: as above, or with key operated patio door lock mounted internally on centre rail(s).
- Opening windows on ground floor or accessible (eg via a flat roof): key operated widow locks.
When such security does not exist, temporary cover may be considered by insurers subject to a £500 excess until such security has been installed.
|
