Of
OFFICE
POLICY
SUMMARY
Office Package Policy Summary
UK General - Office Insurance Policy Summary – 06.2014
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This is a summary of the standard cover available under the UK General Office
Policy. The summary does not include all the policy benefits, limits and
exclusions; full terms and conditions can be found in the policy wording, a
copy of which is available to download from our website www.ukgeneral.com
or by contacting your insurance agent. The policy, and not this summary, is
the basis of the contract of insurance
The policy is an annual insurance contract that
provides a wide range of covers for businesses
as detailed below. It is underwritten by UK
General Insurance Ltd on behalf of Catlin
Insurance Company (UK) Ltd, with the
exception of the Commercial Legal Protection
Section which is underwritten by Ageas
Insurance Limited, the Key Person Section
which is underwritten by UK General Insurance
(Ireland) Ltd and the Equipment Breakdown
Section which is underwritten by HSB
Engineering Insurance Limited.
The cover under the Property Damage and
Business Interruption sections includes fire
and specified insured events with accidental
damage, subsidence, ground heave and
landslip available on request. The sums
insured you choose must represent the full
values at risk; if they do not, payments may be
reduced in the event of a claim.
The standard cover may be varied to meet
your individual needs and any variations
from standard will be detailed in any
quotation given and thereafter in the policy
schedule.
Office Package Policy Summary
UK General - Office Insurance Policy Summary – 06.2014
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Standard Covers Standard Limits
Office Contents: o Changing Locks
o Property whilst at exhibitions anywhere within the Territorial Limits o Loss of metered water / oil and LPG
o Trace and access o Glass and sanitaryware
* Optional cover available on request for Buildings
Sums Insured selected
£1,000
£5,000
£2,500
£10,000
Cost of repair / replacement
Loss of Gross Income up to 12 months Indemnity Period Including: o Prevention of access
o Public utilities - gas, electricity and water o Telecommunications
o Book debts
o Unspecified customers/suppliers o Documents temporarily removed
o Notifiable Diseases, food poisoning, defective drains and murder or suicide
* Optional covers available on request include: Additional Increased Cost of Working and Loss of Rent Receivable.
£250,000
See Loss of Gross Income See Loss of Gross Income
£100 per day, £2,500 in total
£5,000
£25,000
See Loss of Gross Income
£25,000
Money and Malicious Attack including:
o Money in transit, in the premises during business hours, and in any bank night safe
o Money in a locked unspecified safe outside business hours
o Money at your private residence or an Employee and at the premises outside of business hours not in a locked safe
o Death and disablement benefits following malicious attack o Weekly disablement benefit following malicious attack
£3,000
£3,000
£500
£10,000
£100 per week up to 104 weeks
Liabilities including: o Employers’ Liability o Public Liability o Products Liability
o Indemnity for liability incurred under the Defective Premises Act 1972 o Legal Defence costs for liability incurred under:
-Corporate Manslaughter and Corporate Homicide Act 2007 -Health and Safety at Work etc Act 1974
-Food Safety Act 1990
-Consumer Protection Act 1987 -Data Protection Act 1998
£10,000,000 any one event
£2,000,000 any one event
£2,000,000 any one period of insurance
All Risks (Specified Items) (optional) Any amount(s) shown in the
schedule
Goods in Transit £5,000
Terrorism (optional) As shown in the schedule
Commercial Legal Protection including: o Employment Disputes
o Employment Awards
o Employment Restrictive Covenant
The amounts shown in the schedule
Office Package Policy Summary
UK General - Office Insurance Policy Summary – 06.2014
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Standard Covers Standard Limits
o Legal Defence – Insured Person o Data Protection
o Contract Dispute
o Tax, VAT, PAYE and NIC Investigations o Property Protection
o Licence Protection o Personal Injury
o Jury Service and Attendance Expenses o Motor Uninsured Loss Recovery Key Person
o Maximum Policy Benefit £25,000
Equipment and Computer Breakdown including:
o Breakdown of machinery at the premises other than computer equipment o Breakdown of computer equipment at the premises
o Additional costs necessary to make temporary repairs and expedite permanent repairs or replacement of damaged property
o Cost of hiring a substitute item whilst repairs are being carried out or replacement item sought
o Cost of reinstating data onto computer media including where necessary cost of modifying or replacing computer equipment to achieve compatibility o Contamination of insured machinery by hazardous substances
o Loss of oil tank contents
o Measures taken to avoid breakdown which would otherwise have been covered by the policy
o Own surrounding property damage caused by steam explosion
£5,000,000
£25,000
£20,000
£5,000
£25,000
£10,000
£5,000
£5,000
£1,000,000
Significant or Unusual Exclusions
The excess(es)shown in the policy schedule
Theft that does not involve entry to or exit from the premises by forcible and violent means or that does not involve actual or threatened assault or violence or use of force
Theft from any garden, yard or open space unless cover is specifically included
Theft by any employee or person lawfully on the premises
Theft; riot; malicious damage; escape of water, oil or beer; accidental damage (if insured); and damage to glass when the premises are unoccupied for 30 or more consecutive days
Storm or flood damage to fences, gates and moveable property in the open or open sided buildings, unless cover is specifically included
Liability arising:
- out of pollution or contamination unless caused by a sudden, identifiable, unintended and unexpected incident; the maximum liability of the company for pollution or contamination which is deemed to have
occurred during any one period of insurance is £1m in aggregate
- through the defective design, plan, formula, or specification of products supplied given for a fee or for which a fee would normally be payable
- out of technical, professional or remedial instruction and advice given for a fee or for which a fee would normally be charged - out of treatment given or administered
(except for any treatments that have been specifically noted on the schedule), or any failure to give advice or treatment, or any lack of professional skill or duty
- from errors in connection with the sale, supply, making up or prescribing or dispensing of any drug, medicine, medical, cosmetic or toilet preparation
- Liability for property being worked on where the damage is the direct result of the work undertaken
Liability for damage to products supplied or the cost of repairing or replacing such products or
Office Package Policy Summary
UK General - Office Insurance Policy Summary – 06.2014
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UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (Company costs incurred by anyone in recalling or
replacing such products or costs incurred by anyone in recalling, removing, repairing, rectifying, replacing, reapplying or guaranteeing any product supplied.
Office Package Policy Summary
UK General - Office Insurance Policy Summary – 06.2014
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Cancellation Procedure
There is an option to cancel this policy within 14 days of receipt of the policy schedule and wording. A refund of premium will be allowed for the time that was left on the policy.
Claim Notification
For claims undero Section I - Commercial Legal Protection, contact Legal Insurance Management Ltd.
o Section K – Equipment Breakdown, contact HSB Engineering Ltd.
o all other sections of the policy, contact UK General Insurance Ltd
using claims details set out in the policy.
Complaints Procedure
We make every effort to ensure that the cover and service provided to you is clear, fair and not misleading, however should you ever wish to make a complaint about any part of your policy or our service please contact us.
Please refer to the table on Page 51 of your policy document, which is designed to help you reach the correct area quickly and easily should you wish to make a complaint.
If it is not possible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service (FOS).
The FOS is an independent organisation that decides on complaints about general insurance products. They will only consider complaints after we have given you written confirmation that you have been through the Complaints Procedure, and that your business has a turnover of less than EUR 2 million and fewer than 10 employees. You can contact the FOS at:
Insurance Division
Financial Ombudsman Service South Quay Plaza
183, Marsh Wall London E1 4SR
Phone 0845 080 1800 Fax 0207 964 1001 Further information is available at: http://www.financialombudsman.org.uk/
Your legal rights will not be affected by following the Complaints Procedure or by contacting the FOS.
Financial Services Compensation Scheme
UK General Insurance Limited
Catlin Insurance Company (UK) Ltd
Ageas Insurance Limited
UK General Insurance (Ireland) Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if any of these companies cannot meet their insurance obligations. This depends on the type of business and the circumstances of the claim. For compulsory insurance you may be entitled to compensation up to 100% of the claim. For all other types of insurance you may be entitled to compensation up to 90% of the claim. Further information about Compensation Scheme arrangements is available from the FSCS at:
http://www.fscs.org.uk/ or you may write to the Financial Services Compensation Scheme, 7th Floor, Lloyd’s Chambers, Portsoken Street, London E1 8BN. Their telephone number is 0207 8927300.
The small print
Your policy cover
Wherever you see:
UK General Insurance Limited
This is now replaced with: UK General (Commercial) Limited
Wherever you see:
UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales Company No. 4506493
Registered Office: Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, West Yorkshire, LS10 1RJ.
This is now replaced with:
UK General (Commercial) Limited is an appointed representative of Rural Insurance Group Ltd who is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales Company number 9284678 Registered Office: Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, West Yorkshire, LS10 1RJ.
Please be assured that:
• The above changes do not impact your policy cover in anyway and your terms and conditions are unchanged
• There is no reduction in the cover you have been provided with
• Your rights to make a claim under the policy or make a complaint if you are not totally satisfied remain the same
All the contact details contained within your policy documents are unchanged but should you have any queries in relation to this communication, please do not hesitate to contact the broker who arranged your cover.
