- Buildings & Contents
Cover provided for theft, fire, lightning, explosion, aircraft, impact by animal, vehicle or falling trees, riot, civil commotion, material damage, vandalism, storm, flood and escape of water/oil. Cover for Accidental Damage can be included. (Charity Only)
- Business Interruption
Cover for the amount of loss resulting from activities at the premises being interrupted.
Cover can include:-
- Loss of income/gross profit
- Increased cost of working
- Loss of rent
- Book debts
Extensions can include - denial of access, failure of public supplies, specified disease and death of patron(Charity Only). - Public Liability
Covers your legal liability arising from your activities resulting in death or injury to members of the public and loss or damage to a third party. Cover can also be extended to include products sold or supplied by you. or property damage as a consequence of defects in a product supplied.
- Employer’s liability
If your organisation engages employees or volunteers you will require employers liability. This cover is compulsory for which you as employers are legally responsible by law. It is a legal requirement to have this cover. The organisation can be fined or an official imprisonment if not complied with. The standard limits of indemnity £10 million.
- Personal Accident
Cover for injury to employees or (volunteers – applies to charities only)) arising from accidents while working for the organisation. Pays a capital benefit for death/loss of limb and weekly benefits for temporary total disablement.
- Money
Cover can be provided for loss /theft of money on the premises, on the way to the bank, held at home and banks night safe. Cover also includes injury resulting from assault.
- Legal Expenses
Pays for legal costs and expenses and certain compensation awards arising from the following types of legal disputes:-
- Employment disputes
- Employment compensation awards
- Legal defence
- Property protection
- Bodily injury
- Contract disputes
- Tax protection
- Statutory license protection
- Publisher’s indemnity
Provides cover for libel, defamation, slander and other infringements i.e. breach of copyright arising from your publications.
- Third Party Hirers Indemnity
Can provide cover at your discretion for legal liability for persons or organisations hiring the premises.
- Professional Indemnity
Provides indemnity for legal liability, for costs or damages arising from any actual or alleged failure in the performance of professional services or breach of professional duty.
- Computer Breakdown
Covers repair following sudden and unforeseen breakdown of computer and additional expenses for reinstatement or replacement data.
- Fidelity Guarantee
Provides indemnity against loss of money or goods belonging to or for which the organisation is legally responsible arising from the dishonest or fraudulent conduct of a trustee, employee or volunteer which is not reasonably recoverable form the person responsible.
|
