Buildings – an optional extension

£250 any one tree/plant/ max £1,000 aoe
£1,500 any one event

Contents - All Risks Cover incl. Glass, Subsidence, Theft (FVEE)

Keys/Lock replacement
Personal Effects
Loss of metered

Glass

£1,000
£500
£10,000 aoe / £50,000 agg
£1,500 any one Event
£1,500 any one event

£50

Business Interruption – financial loss following Property Damage.

Basis of Settlement Gross Revenue or Increased Cost of Working

Failure of Public Utilities (Water, Electricity, Telecoms & Gas) – available with Gross Revenue option

Prevention of Access

10% of Sum Insured




10% of Sum Insured

8 hours Excess




8 hours Excess

Computer Equipment All Risks Cover –
computer and telecommunication equipment, media, programs, data and ancillary equipment

Reinstatement of Data
Reinstatement of Programs
Increased Cost of Working

Additional Rental Costs & Assoc. Costs etc.

Laptop/Port. Equip.– UK/EUR/WW

£2,500
£2,500
£2,500

£10,000


Max £1,000 any one item

Money

Personal Assault

Crossed Cheques & other non-negotiable money

• on the premises during business hours
• in locked safe out of business hours
• Outside Safe out of business hours
• In Transit
• At Directors, partners or employees dwellings

Death loss of limbs or eyes or permanent total disablement
Temporary total disablement

£250,000

£5,000

£5,000

£250

£5,000
£500


£20,000

£200 per week/104 weeks

Nil

Employers Liability

Statutory Legal Liability for Bodily Injury, Illness, or Disease sustained by an Employee in the course of their business

£10,000,000

(£5,000,000 terrorism)

Corporate Manslaughter Limit £1,000,000

Nil

Public & Products Liability

Legal Liability to members of the public for Bodily Injury, Illness or loss of or Damage to property

Worldwide Jurisdiction excluding USA/Canada.

Worldwide Jurisdiction available

Limit of Indemnity £2,000,000

Corporate Manslaughter Limit £1,0000,000

£250 Third Party Property Damage

Fidelity Guarantee
Loss of Insured’s property resulting from Theft or Forgery by an Employee

Limit of Indemnity £10,000 any one claim and in the aggregate

Limit £25,000 available

£250


£500