Professional Indemnity Insurance. Policy

Professional Indemnity Insurance

Policy

Towergate Underwriting Financial Risks

Professional Indemnity Insurance Policy

This is a “claims made” insurance

This insurance covers only claims or losses made and notified to Us during the period of insurance

Introduction

Thank You for choosing Towergate Underwriting Financial Risks This is Your policy, setting out Your insurance protection in detail.

Your premium has been based upon the information shown in The Schedule and recorded in the written

application You have signed and/or declaration You have made. Please read Your policy carefully to make sure that it meets Your requirements and that the details on The Schedule are correct.

If after reading Your policy You have any questions, please contact Your insurance adviser.

This Policy of Insurance is issued in accordance with the authorisation granted to Towergate Underwriting Financial Risks by Royal & Sun Alliance Insurance plc (Lead insurer at 70%) and Zurich Insurance plc (30%).

The proposal and declaration signed by You are incorporated into this insurance contract. This Policy should be read together with the Schedule and any Endorsements.

Towergate Underwriting Financial Risks 77 Leadenhall Street

London EC3A 3DE Tel 0870 410 0952 Fax 0870 410 0953

Email: [email protected] For and on behalf of the Insurers

Peter Newson

Managing Director of Towergate Underwriting Financial Risks (A trading name of Towergate Underwriting Group Limited) Your policy is arranged by Towergate Underwriting Financial Risks.

Towergate Underwriting Financial Risks is a trading name of Towergate Underwriting Group Limited registered in England No. 4043759

At Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN www.towergate.co.uk

Underwritten by: a consortium of specialist insurers. The Lead Insurers are Royal & Sun Alliance Insurance plc No. 93792. Registered in England & Wales at

St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL.

Also underwritten by Zurich Insurance plc No. BR7985. Registered in England & Wales at The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

Contents – a guide to Your policy

This policy booklet consists of individual sections. It should be read in conjunction with The Schedule which indicates both the sections You are insured under and gives precise details of the extent of Your insurance protection.

Part 1

The Contract of Insurance Page 4 Our Service to You Page 4

Part 2

Policy Definitions Page 6 Sections which comprise your policy

Section 1 Interpretation Page 9 Section 2 Insurance Clauses Page 10 Section 3 Limits of Indemnity Page 12 Section 4 Exclusions Page 13 Section 5 General Conditions Page 16 Section 6 Claims Conditions Page 17 Section 7 Special Benefits Page 19 Renewal Procedure Page 19 Fair Processing Notice Page 20

Part 3

Commercial Legal Protection Page 21

The Contract of Insurance

The policy, the proposal form and/or any declaration made by You and the Schedule should be read together and form the contract of insurance between You, The Policyholder and Us.

In return for You havingpaid or agreed to pay the premium for the period of Insurance, We will provide the insurance described in this Policy subject to the terms and conditions for the Period of Insurance shown in the Schedule and any subsequent period for which You shall pay and We shall agree to accept the premium.

We would remind you that you are required to inform us immediately of any facts or changes which we would take into account in our assessment or acceptance of this insurance. Failure to do so may invalidate your policy or result in certain covers not operating fully. If you are in any doubt as to whether a fact is material or not, please contact your insurance adviser.

Law applicable to the policy

Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or the Isle of Man in which your business is based. Full details will be provided in your policy documentation.

This policy (and the schedule which forms an integral part of the policy) is a legal contract. Please examine it thoroughly to ensure it meets your requirements. If it does not please advise your insurance adviser immediately

Our Service to You

Our goal is to give excellent service to all Our customers. We take all complaints We receive seriously and aim to resolve all Our customers’ problems promptly. To ensure that We provide the kind of service you expect We welcome your feedback. We will record and analyse your comments to make sure We continually improve the service We offer.

How to Complain

If You are disappointed with any aspect of the handling of Your insurance, please contact:-Managing Director

Towergate Underwriting Financial Risks 77 Leadenhall Street

London EC3A 3DE Tel 0870 410 0952 Fax 0870 410 0953

Email: [email protected]

If Your complaint requires to be handled by another party, We will pass details onto them and will advise you when this has occurred, as well as providing You with details of who We have passed your complaint to. If We are unable to deal with Your complaint immediately, We will write to You within 5 working days of receipt and inform You who is dealing with the complaint and when You can next expect a response.

We aim to conclude Our investigations promptly. However, in some circumstances, Our investigations may take some time, and We will keep You fully informed. This means that We will write to You as soon as We have concluded Our investigation or, if We have not been able to inform You of Our decision within 4 weeks of receipt, We will write to You to let You know. If We are not able to reach a decision within 8 weeks, We will write to You again, either; concluding Our investigation, or advising You of when We expect to be able to conclude Our investigation, or advising You of Your right to take Your complaint to the Financial Ombudsman.

When We conclude Your complaint We will write to You, giving You Our “Final Response”. This will tell You if We have upheld or rejected Your complaint (in whole or in part), and if appropriate We will make an offer of redress.

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South Quay Plaza 183 Marsh Wall London E14 9SR Telephone:

0800 023 4567 (free from landlines) or 0300 123 9123 (free from most mobile phones)

Or simply log on to their website at www.financial-ombudsman.org.uk.

An eligible complainant is a Consumer, a Business with less than 10 employees or a turnover or annual balance sheet less than €2m, a Charity with an income less than £1m or the Trustee of a trust with a net asset value less than £1m.

Whilst we are bound by the decision of the FOS, you are not. Following the complaints procedure does not affect your right to take legal action.

Compensation Scheme

Towergate Underwriting Group Limited and the insurers of this policy are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations, you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. Further information is available from the FSCS at www.fscs.org.uk.

Claim Notification

Conditions that apply to the policy and in the event of a claim are set out in this policy wording. It is important that you comply with all policy conditions and you should familiarise yourself with any requirements.

Directions for claim notification are included under Claims Conditions. Please be aware that claims and

circumstances that might reasonably be expected to produce a claim against you must be notified to us as soon as possible. Further guidance is contained in this policy wording.

Claims Conditions require you to provide us with any reasonable assistance and evidence that we require concerning the cause and value of any claim. Ideally, as part of the initial notification, you will provide: • Your name, address and your telephone number

• Policy number

• The date when you became aware of the claim or circumstances • The cause of the claim

• Details of the claim together with the claim value, if known

• Names and addresses of any other parties involved or responsible for the claim

This information will enable us to make an initial evaluation of the claim. We may, however, need to request additional information.

Definitions

For the purposes of Professional Indemnity Insurance (Not applicable for the Commercail Legal Protection section).

1 Asbestos Risks means

A) the presence of Asbestos Asbestos Dust or Asbestos Containing Materials B) the release of Asbestos Dust

C) the exposure of persons buildings or property to Asbestos Dust or Asbestos Containing Materials

2 Asbestos means

crocidolite amosite chrysotile fibrous actinolite fibrous anthophyllite or fibrous tremolite or any mixture containing any of those minerals

3 Asbestos Dust means

fibres or particles of Asbestos

4 Asbestos Containing Materials means

any material containing Asbestos or Asbestos Dust

5 Bodily Injury means

death disease illness or bodily or mental injury

6 Claim means

A) service of a Claim Form Counterclaim Other Additional Claim Application Notice Notice of Appeal Witness Summons or similar legal document including an application for any related injunction or

B) a reference to or notification of intention to commence or the commencement of proceedings of any kind including arbitration proceedings or a complaint to an ombudsman or

C) a written communication including electronic communications (whether or not containing a demand for compensation or damages) asserting a legal liability on Your part or

D) any communication in whatsoever form invoking any Pre-Action Protocols contained in the Civil Procedure Rules

7 Defence Costs means

all costs and expenses (other than costs incurred in connection with Claims Condition 8B Dishonesty and Fraud) which are incurred by Us or by You with Our written consent in connection with the defence investigation or settlement of any Claim made against You and notified under this Insurance and in connection with any circumstances which might give rise to a Claim. We shall not unreasonably withhold our consent to the incurring of Defence Costs.

8 Documents means

all

A) documents (excluding bearer bonds coupons bank or currency notes or other negotiable instruments) B) computer systems records

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9 Employee means

any person including any trainee or consultant under a contract of service with You or Your Predecessors in respect of Professional Business at the time of any conduct giving rise to a Claim against You or at the time of any other occurrence which may be the subject of indemnity under this Insurance

10 Endorsement means

an amendment to the Policy Terms and Conditions including amendments described as Endorsements in the Schedule

11 The Insured / You / Your / The Policyholder means

the Insured as named in the Schedule Each of the following parties will in addition be deemed the Insured in respect of Claims arising out of the conduct of the Professional Business provided that each shall be subject to terms of this Insurance to the extent such terms can apply

A) any partner director or Member or former partner director or Member of the Insured or if decreased incapacitated insolvent or bankrupt the legal representatives thereof in respect of civil liability incurred by such partner director or Member or former partner director or Member

B) at the Insured’s request any Employee or if deceased incapacitated insolvent or bankrupt the legal representatives thereof in respect of civil liability incurred by such Employee

12 Your Contribution means

the amount for which You are responsible under Insurance Clauses 1 (Civil Liability) and 2 (Awards by Ombudsmen) of this Insurance in respect of any one Claim

Your Contribution shall not apply to Defence Costs

All Claims attributable to the same act error or omission or series of acts errors or omissions consequent upon or attributable to the same original cause or source will be regarded as one Claim

13 Member means

a member of a limited liability partnership as defined under the Limited Liability Partnership Act 2000

14 Microchip means

a unit of packaged computer circuitry manufactured in small scale and made for program logic or computer memory purposes and expressly including integrated circuits and microcontrollers

15 North America means

the United States of America and Canada and in each case its territories and possessions and any state or political sub-division thereof

16 North American Claim means

each and every Claim brought against You in North America or which is instituted or pursued before an arbitrator or tribunal or in courts in North America (whether for enforcement of judgment or otherwise) or in which it is contended that the laws of any country state or political subdivision in North America should apply

17 Predecessors means

any person practice or other firm to which You have succeeded

18 Professional Business means

professional services undertaken by You or on Your behalf or the Predecessors in connection with the Business defined in the Schedule

19 Proposal means

the proposal form or Statement of Fact and any declaration completed in respect of this Insurance including any renewal declaration and any information supplied by or on Your behalf in addition to or in substitution for these documents.

20 Statement of Fact means

The document which provides details of

A) You and all material information relevant to this Insurance B) assumptions made by Us about material information

If this information or these assumptions are incorrect You must inform Us as soon as possible

21 System includes

computers other computing and electronic equipment linked to computer hardware electronic data processing equipment Microchips and anything which relies on a Microchip for any part of its operation and includes for the avoidance of doubt any computer installation

22 Terrorism means

an act of any person acting on behalf of or in connection with any individual or organisation which carries out activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s government in the United Kingdom or any government whether legally established or not

23 Virus means

programming code or series of instructions designed to achieve an unexpected unauthorised or undesirable effect or operation when loaded onto a System transmitted between Systems by transfer between computer systems via networks extranets internet or electronic mail or attachments thereto or via floppy diskettes or CD-ROMs or otherwise and whether involving self replication or not

24 War Risks means

war invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power

25 We / Us / Our / TUFR

Towergate Underwriting Group Limited trading as Towergate Underwriting Financial Risks on behalf of Insurers whose identity and whose proportionate liability is stated in The Schedule.

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Section 1

Interpretation

1 the singular includes the plural and vice versa

2 the male gender includes the female and neutral genders

3 references to any Act or law include any rule order regulation or other similar instrument made thereunder and shall include any amendment replacement consolidation or re-enactment of such Act or Law

4 any legal references within this Insurance shall include any equivalent legal provision in the jurisdiction of ordinary residence of the Insured or location of the risk insured provided that such jurisdiction falls within the territorial scope of this insurance

5 the use of headings and subheadings is for ease of reference only and is not intended to be construed as an aid to interpretation

6 any sentence commencing with the terms “including” or “includes” or any similar expression is intended to be construed as illustrative and not as exhaustive.

Section 2

Insurance Clauses

1 Civil Liability

We will indemnify You up to the Limit of Indemnity specified in the Schedule in respect of Claims first made against You and notified to Us during the Period of Insurance in respect of civil liability (including liability for claimant’s costs and expenses) incurred in connection with the conduct of Professional Business

We will in addition pay Defence Costs incurred by Us or by You with Our written consent Provided that Our liability for Defence Costs in relation to any Claim disposed of for an amount which exceeds the available Limit of Indemnity shall be limited to the proportion that the available Limit of Indemnity bears to the amount payable to dispose of such Claim

2 Awards by Ombudsmen

We will indemnify You in accordance with the recommendation of any ombudsman under any recognised ombudsman scheme in respect of

A) any amount paid or payable

B) any Defence Costs incurred in taking any steps which You are directed to take by the ombudsman in relation to a claimant

To the same extent as We are obliged to indemnify You in respect of any civil liability covered under insurance Clause 1 (Civil Liability)

3 Loss of or Damage to Documents

We will in the event of loss of or damage to Documents occurring in the conduct of

Professional Business and advised to Us during the Period of Insurance indemnify You in respect

of all costs and expenses reasonably incurred by You in replacing or restoring Documents up to a maximum of GBP250,000 during the Period of Insurance

Provided that

A) such loss or damage is sustained while the Documents are either in transit or in Your custody or in the custody of any person to whom You have entrusted them

B) where the Documents are in electronic format You can demonstrate to Our reasonable satisfaction that You had in place sufficient and proper procedures for the security and the daily back-up of Documents C) We shall not be liable for loss of or damage to Documents arising directly or indirectly from

1) the transmission or impact of any Virus 2) unauthorised access to a System

4 Compensation for Court Attendance

In the event of

A) the legal advisers acting on Your behalf with Our consent requiring any principal partner Member director or Employee of the Insured to attend any court tribunal arbitration adjudication mediation or other hearing as a witness or

B) the Insurer requesting the attendance of any principal partner Member director or Employee as an interested party at any mediation

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to You at the following rates for each day on which attendance is required

A) Any principal partner Member or director of the Insured £500

Section 3

Limits of Indemnity

2 Where We are liable to indemnify more than one person firm company or body the total amount of indemnity payable under this Insurance shall not exceed the Limit of Indemnity

3 All Claims attributable to the same act error or omission or series of acts errors or omissions consequent upon or attributable to the same original cause or source will be regarded as one Claim

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Section 4

Exclusions

1 Adjudication and Arbitration

any Claim arising out of or related to any

A) decision made against You by an adjudicator who was not independent of the parties to the dispute B) adjudication arising from an adjudication clause in a contract which contains timetable provisions for adjudication which are more onerous to You than those contained in the Scheme for Construction Contracts referred to in the Housing Grants Construction and Regeneration Act 1996

C) arbitration award made in respect of any Claim or counterclaim where the seat of the arbitration was located outside England Wales Scotland or Northern Ireland unless that seat was agreed to by Us

2 Asbestos Risks

any liability based upon or arising out of or relating directly or indirectly to or in consequence of or in any way involving Asbestos Risks

3 Bodily Injury to Employees

any liability arising out of Bodily Injury to an Employee arising out of and in the course of his employment for You or on Your behalf

4 Bodily Injury to Others or Damage to Property

any liability arising out of Bodily Injury to any other person or loss of or damage to property unless arising out of advice design specification or omission to perform a professional duty

5 Contractual Liabilities and Guarantees

any Claim arising from any contractual agreement in respect of A) any express guarantee given by You or

B) any express contractual penalty made between You and a third party or C) any acceptance by You of liability for liquidated damages

in so far as liability assumed by You exceeds the amount of Your liability in the absence of such agreement

6 Controlling Interest

any Claim made against You by

A) any entity in which You or any partner member or director or any combination of partners members or directors of Yours exercises or has exercised a controlling interest

B) any entity exercising a controlling interest over You by virtue of their having a financial or executive interest in Your operation

7 Design and Construct/Supply

any Claim arising from the provision of advice design or specification where You contract to A) manufacture construct erect or install or

B) supply materials or equipment

Provided this Exclusion shall not apply to project models or displays

8 Directors’ and Officers’ Liability

any Claim against You in Your capacity as a director officer or trustee in respect of the performance or non-performance of Your duties as a director officer or trustee

9 Dishonesty

any dishonest or fraudulent act or omission committed by any person after there is reasonable cause for suspicion of fraud or dishonesty in relation to such person

Furthermore no indemnity shall be given to any person committing condoning or knowingly participating in any way in any act or omission of a fraudulent or dishonest nature

10 Employment

any Claim arising from any liability to any Employee former employee or prospective employee in respect of employment related libel slander humiliation or defamation wrongful dismissal repudiation or breach of any employment contract or arrangement termination of a training contract or contract of apprenticeship harassment discrimination or like conduct

11 Fines Penalties and Punitive Damages etc.

any fines penalties punitive exemplary or aggravated damages where such damages have been identified separately within any award of a court or the multiple portion of any multiplied damage award

12 Goods and Services

A) any Claim arising out of the supply of any goods by You or on behalf of You or products manufactured constructed altered repaired treated sold supplied or distributed by You or on Your behalf

B) any Claim brought by any supplier or prospective supplier arising from or in connection with the actual or prospective supply to or use by you of goods or services

13 Insolvency of the Insured

any Claim arising out of or relating to Your insolvency or bankruptcy Provided that this Exclusion shall not apply to any Claim

A) in respect of monies held on behalf of third parties or

B) for which You would otherwise be indemnified by this Insurance but for Your insolvency or bankruptcy

14 Your Contribution

Your Contribution

15 North American Jurisdiction and Operations

A) damages or other monetary awards judgments or negotiated settlements claimant’s costs and expenses and Defence Costs connected with or arising out of any North American Claim

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America of any damages or other monetary awards judgments or negotiated settlements claimant’s costs and expenses and Defence Costs connected with or arising out of any North American Claim

C) Your operations or those of any principal partner member director Employee agent branch subsidiary or parent company of Yours in North America

16 Nuclear

loss or destruction of or damage to any property whatsoever or any loss or expense of whatsoever nature resulting or arising therefrom or any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from

A) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

B) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof

17 Pension and Benefit Schemes

any Claim arising from any plan programme or scheme providing benefits to You or any Employees

18 Pollution

any Claim or Claims based upon or arising out of or relating directly or indirectly to or in consequence of or in any way involving seepage pollution or contamination of any kind

19 Previous Claims or Circumstances

A) the consequence of any circumstance

1) notified under any insurance which was in force prior to the inception of this Insurance

2) known to You or which should have been known to You at the inception of this Insurance which might reasonably be expected to produce a Claim

B) any Claim made against You prior to the Period of Insurance

20 Retroactive Date

any claim or loss otherwise eligible for indemnity under this Insurance where the cause of such Claim or loss occurred or was alleged to have occurred prior to any Retroactive Date specified in the Schedule

21 Spite or Reckless Behaviour

any Claim arising from personal spite or ill will towards any claimant or arising from reckless behaviour

22 Trading Losses

any Claim arising out of or in connection with any trading losses or liabilities incurred by You or any business managed by or carried on by You

23 Transportation or Property

the ownership use occupation or leasing of mobile or immobile goods or property by You or on Your behalf

24 War and Terrorism

Section 5

General Conditions

1 Other Insurance

If at the time any claim arises under this Insurance You are or would but for the existence of this Insurance be entitled to indemnity under any other policy or policies We shall not be liable except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this Insurance not been effected

2 Choice of Law

Under the laws of the United Kingdom (England Scotland Wales and Northen Ireland) both parties may choose the law which applies to this contract to the extent permitted by those laws Unless the parties agree otherwise in writing We have agreed with You that the law which applies to this contract is the law which applies to the part of the United Kingdom in which You are based or if You are based in the Channel Islands or the Isle of Man the law of whichever of those two places in which You are based

The parties have agreed that any legal prceedings between them in connection with this contract will only take place in the courts of the part of the United Kingdom in which You are based or if You are based in either the Channel Islands or the Isle of man the courts of whichever of those two places in which You are based

3 Rights of Third Parties

A person who is not a party to this Insurance has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Insurance but this does not affect any right or remedy of a third party which exists or is available apart from that Act

4 Consumer Credit Termination Clause

We reserve the right to terminate the Policy in the event that there is a default in instalment payments under any linked loan agreement

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Section 6

Claims Conditions

1 Claims Notification

If during the Period of Insurance You receive any Claim You shall give written notice of such Claim to Us as soon as reasonably possible. All Claims must be notified to Us prior to the expiry of the Period of Insurance If during the Period of Insurance You become aware of any circumstance which might reasonably be expected to produce a Claim against You You shall give written notice of such circumstance to Us as soon as reasonably possible irrespective of either Your views as to whether such Claim will succeed or as to whether the amount of the Claim will exceed Your Contribution. All circumstances must be notified to Us prior to the expiry of the Period of Insurance. Any Claim arising from any circumstance notified to Us in accordance with this Condition shall be deemed to have been made in the Period of Insurance.

2 Notification of Adjudications

You shall as a condition precedent to Your right to indemnity in respect of any adjudication for which indemnity is available under Insurance Clause 1 (Civil Liability)

A) notify Us within 2 working days of receipt of any notice of intention to adjudicate notice of adjudication referral notice or any adjudication notice pursuant to contract

B) not serve any of the notices referred to in Claims Condition 2A) without Our prior written consent unless in Your reasonable opinion service of those notices will not give rise to a Claim against You

We will have no liability under Insurance Clause 1 in respect of any matter which You do not notify to Us in accordance with the requirements of this Condition

3 Notification of Reviews by an Ombudsman

You shall as a condition precedent to Your right to indemnity under Insurance Clause 2 (Awards by Ombudsmen) give notice to Us in writing within ten working days of You becoming aware that any ombudsman is or will be reviewing a case directly affecting You

We will have no liability under Insurance Clause 2 in respect of any matter which You do not notify to Us in accordance with the requirements of this Condition

4 Supporting Documentation and Admissions

All documents supporting any Claim shall be forwarded to Us immediately on receipt No admission offer promise payment or indemnity shall be made or given by or on Our behalf without Our written consent

5 Conduct of Claims

You shall give all such assistance as We may require We shall be entitled to take over and conduct in Your name the defence or settlement of any Claim or to prosecute in Your name for Your own benefit any Claim and shall have full discretion in the conduct of any proceedings and in the settlement of any Claim

6 Queen’s Counsel Clause

You shall not be required to contest any legal proceedings unless a Queen’s Counsel (or by mutual agreement between You and Us a similar authority) shall advise that such proceedings could be contested with the probability of success

7 Disposal of Claims

In connection with any Claim against You We may at any time pay to You the Limit of Indemnity (after deduction of any sums already paid as damages or claimant’s costs and expenses in respect of such Claim) or any less amount for which such Claim can be settled and thereupon We shall relinquish the control of such

Claim and be under no further liability in connection therewith except for Defence Costs for which We may be responsible under this Insurance in respect of matters prior to the date of such payment

8 Dishonesty and Fraud

In respect of any claim made in accordance with this policy arising out of any dishonest or fraudulent act or omission

A) You must immediately take all reasonable steps to prevent further loss

B) if We so request You shall take all reasonable steps to effect recovery from the person committing or condoning or knowingly participating in such dishonest or fraudulent act or omission or from the personal representatives of such person

C) any monies recovered following action as described in 8B) above will be deducted from any amount payable under this Insurance

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Section 7

Special Benefits

1 In the event of Us being entitled to avoid this Insurance from inception or from the time of any variation in cover (including at renewal) We may at Our discretion maintain this Insurance in full force but exclude the consequences of any matter which ought to have been disclosed at inception or at the time of any variation in cover (including at renewal)

2 In the event of non-disclosure or misrepresentation at any renewal We will waive Our rights to avoid this Insurance provided that

A) You are able to establish to Our satisfaction that such non-disclosure or misrepresentation was innocent and free from any fraudulent conduct or intent to deceive

B) the Premium and terms shall be adjusted at Our discretion to those which would have applied had such circumstances been disclosed

C) where You should have notified during a preceding Period of Insurance either a Claim made against You or circumstances which could give rise to a Claim and the indemnity or cover to which You would have been entitled was in any way more restricted than that provided at the date of notification We shall be liable only to the extent applicable during such preceding Period of Insurance

For the purposes of this Special Benefit this Insurance shall be deemed to be a renewal of any immediately preceding Professional Indemnity policy issued by Us under which You were entitled to indemnity 3 If You are in breach of Claims Conditions 1 (Claims Notification) or 4 (Supporting Documentation and

Admissions) of this Insurance then We shall not deny any claim but shall firstly apply provision C) in Special Benefit 2 (to the extent applicable) and then where such breach has prejudiced the handling or settlement of any claim reduce the amount paybale in respect of such claim (including Defence Costs) to such sum as in Our reasonable opinion would have been payable in the absence of such prejudice

Renewal Procedure

Prior to Renewal Date each year We may request You to complete a renewal declaration form

The renewal premium (and if applicable any adjustment of premium for the past year) will be calculated on the information provided by You

Renewal will not be invited unless a satisfactory declaration is received by Us when requested prior to Renewal Date Failure to submit a renewal declaration form prior to renewal when requested or submission of an unsatisfactory declaration will cause this Insurance to be lapsed from the Renewal Date

FAIR PROCESSING NOTICE

How we use your Information

Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance.

Who we are

This product is underwritten by Towergate Underwriting Financial Risks on behalf of insurers whose identity and proportionate liability is stated in The Schedule.

You are giving your information to Towergate Underwriting Financial Risks. In this information statement, ‘we’ ‘us’ and ‘our’ refer to Towergate Underwriting Financial Risks unless otherwise stated.

How your information will be used and who we share it with

Your information comprises all the details we hold about you and your transactions and includes information obtained from third parties.

We may use your information to help us: • Assess financial and insurance risks; • Recover debt;

• Prevent and detect crime;

• Develop our services, systems and relationships with you; • Understand our customers’ requirements;

• Develop and test products and services

We do not disclose your information to third parties except: • Where we have your permission; or

• Where we are required or permitted to do so by law; or

• To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or

• Where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.

We will not keep your information for longer than is necessary.

Sensitive Information

Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.

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COMMERCIAL LEGAL PROTECTION

This section is underwritten by DAS Legal Expenses Insurance Company Limited

To make sure that you get the most from your DAS cover, please take time to read this section which explains the contract between us.

Please take extra care in following the procedures under Employment Compensation Awards cover

(insured incident 1(b)).

If you have any questions or would like more information, please contact your insurance adviser.

It will help if you keep the following points in mind: How we can help

Once you have given us details of your claim and we have accepted it, we will start to resolve your legal problem. To make a claim under this section please telephone us on 0117 934 2160 and we will take details of your dispute. We will not be able to confirm cover for your claim, but we will provide you with a reference number and advise you what to do next.

If you would prefer to report your claim in writing please send it to the Claims Department, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH.

Alternatively you can email your claim to us at [email protected]

Claims are usually handled by a representative appointed by us, but sometimes we deal with them ourselves. Claims outside the United Kingdom may be dealt with by other DAS offices elsewhere in Europe.

If you need help from us

You can phone us anytime on 0117 934 2160 for advice on any commercial legal or tax problem affecting your business.

When we cannot help

Please do not ask for help from a solicitor or accountant before we have agreed. If you do, we will not pay the costs involved.

Our Head and Registered Office is:

DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Registered in England and Wales, number 103274.

DAS Legal Expenses Insurance Company Limited is authorised and regulated by the Financial Conduct Authority. This section will cover the insured person in respect of any insured incident arising in connection with the business shown in the schedule if the premium has been paid.

We agree to provide the insurance in this section as long as:

(a) the date of occurrence of the insured incident happens during the period of insurance and within the

territorial limit; and

(b) any legal proceedings will be dealt with by a court, or other body which we agree to, in the territorial limit; and

(c) in civil claims it is always more likely than not that an insured person will recover damages (or obtain any other legal remedy which we have agreed to) or make a successful defence.

For all insured incidents, we will help in appealing or defending an appeal as long as the insured person

tells us within the time limits allowed that they want us to appeal. Before we pay any costs and expenses for appeals, we must agree that it is always more likely than not that the appeal will be successful.

If a representative is used, we will pay the costs and expenses incurred for this.

We will pay Compensation Awards that we have agreed to.

The most we will pay for all claims resulting from one or more event arising at the same time or from the same originating cause is GBP100,000.

THE MEANING OF WORDS IN THIS SECTION

1. We, us, our

DAS Legal Expenses Insurance Company Limited.

2. The policyholder

As shown in the schedule.

3. Insured person

The policyholder and the directors, partners, managers and employees of the policyholder.

4. Representative

The lawyer, accountant or other suitably qualified person, who has been appointed to act for an insured person in accordance with the terms of this section.

5. Period of insurance

The period for which we have agreed to cover the insured person and for which the premium has been paid.

6. Full enquiry

An extensive examination by HM Revenue & Customs which considers all aspects of the policyholder’s tax affairs, excluding those enquiries which are limited to one or more specific aspects of the policyholder’s self assessment and/or corporation tax return.

7. (a) Aspect enquiry

An examination by HM Revenue & Customs which considers one or more specific aspects of the policyholder’s self assessment and/or corporation tax return.

(b Tax intervention enquiry

An examination by HM Revenue & Customs to measure the level of compliance in the policyholder’s

financial accounting records to highlight areas where errors have occurred or may occur.

8. Date of occurrence

1. For civil cases (other than under insured incident - 7 Tax Protection), the date of occurrence is when the cause of action first accrued.

2. For criminal cases, the date of occurrence is when the insured person commenced or is alleged to have commenced to violate the criminal law in question.

3. For licence or registration appeals, the date of occurrence is when the policyholder first became aware of the proposal by the relevant licensing or regulatory authority to suspend, alter the terms of, refuse to renew or cancel the policyholder’s licence, mandatory registration or British Standard Certificate of Registration.

4. For full enquiries or aspect enquiries, the date of occurrence is when HM Revenue & Customs first notifies in writing the intention to make enquiries.

For Employers’ Compliance and Value Added Tax disputes, the date of occurrence is when the relevant authority sends an assessment or written decision to the policyholder.

For tax intervention enquiries, the date of occurrence is when HM Revenue & Customs first contacts

the policyholder in relation to commencing an intervention enquiry into their business accounts.

9. Costs and expenses • Legal costs

All reasonable and necessary costs chargeable by the representative on a standard basis.

Also the costs incurred by opponents in civil cases if an insured person has been ordered to pay them, or pays them with our agreement.

• Accountant’s costs

A reasonable amount in respect of all costs reasonably incurred by the representative.

• Attendance expenses

The insured person’s salary or wages for the time that the insured person is off work to attend any arbitration, court or tribunal hearing at the request of the representative or while attending jury service. We

will pay for each half or whole day that the court, tribunal or the insured person’s employer will not pay for.

The amount we will pay is based on the following:

– the time the insured person is off work including the time it takes to travel to and from the hearing. This will be calculated to the nearest half day assuming that a whole day is eight hours;

– if the insured person works full time, the salary or wages for each whole day equals 1/250th of the

insured person’s yearly salary or wages;

– if the insured person works part-time, the salary or wages will be a proportion of the insured person’s weekly salary or wages.

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INSURED INCIDENTS WE WILL COVER

1 EMPLOYMENT DISPUTES AND COMPENSATION AWARDS (a) Employment Disputes

We will defend the policyholder’s legal rights:

(1) prior to the issue of legal proceedings in a court or tribunal following the dismissal of an employee; or (2) in the resolution of unfair dismissal disputes under the ACAS Arbitration Scheme; or

(3) in legal proceedings in respect of any dispute with

(a) an employee or ex-employee or a trade union acting on behalf of an employee or ex-employee which arises out of, or relates to, a contract of employment with the policyholder; or

(b) an employee, prospective employee or ex-employee arising from an alleged breach of their statutory rights under employment legislation.

What is not covered

(1) Any claim in respect of damages for personal injury or loss of or damage to property.

(2) Any claim arising from or relating to any transfer of business which falls within the scope of the Transfer of Undertakings (Protection of Employment) Regulations 2006 or the Transfer of Employment (Pension Protection) Regulations 2005.

(b) Compensation Awards We will pay:

(1) any basic and compensatory award; and/or

(2) an order for compensation following a breach of the policyholder’s statutory duties under employment legislation in respect of a claim we have accepted under insured incident 1(a).

Provided that

(a) In cases relating to performance and/or conduct, the policyholder has throughout the employment dispute either:

(a) followed the ACAS Code of Disciplinary Practice and Procedures as prepared by the Advisory Conciliation and Arbitration Service; or

(b) followed equivalent codes of practice issued by the Labour Relations Agency in Northern Ireland; or (c) sought and followed advice from our legal advice service.

(b) For an order of compensation following the policyholder’s breach of statutory duty under employment legislation the policyholder has at all times sought and followed advice from our legal advice service since the date when the policyholder should have known about the employment dispute.

(c) For any compensation award for redundancy or alleged redundancy or unfair selection for redundancy,

the policyholder has sought and followed advice from our Claims Department prior to serving notice of redundancy.

(d) The compensation is awarded by a tribunal or through the ACAS Arbitration Scheme, under a judgment made after full argument and otherwise than by consent or default, or is payable under settlement approved in writing in advance by us.

(e) The total of the compensation awards payable by us shall not exceed GBP1,000,000 in any one period of insurance..

What is not covered

(1) Any compensation award relating to the following:

• trade union activities, trade union membership or non-membership; • pregnancy or maternity rights;

• health and safety related dismissals brought under section 44 of the Employment Rights Act 1996; • statutory rights in relation to trustees of occupational pension schemes;

• statutory rights in relation to Sunday shop and betting work.

(2) Non-payment of money due under the relevant contract of employment or statutory provision relating thereto.

(3) Any award ordered because the policyholder has failed to provide relevant records to employees under the National Minimum Wage Laws.

(4) Any compensation award or increase in compensation award ordered by the tribunal for failure to comply with a recommendation it has made, including non-compliance with a reinstatement or re-engagement order.

(c) Service Occupancy

We will negotiate for the policyholder’s legal rights against an employee or ex- employee to recover possession of premises owned by, or for which the policyholder is responsible.

What is not covered

2. LEGAL DEFENCE AND DISCIPLINARY HEARINGS (a) Legal Defence

At the policyholder’s request

(1) We will defend the insured person’s legal rights:

(a) prior to the issue of legal proceedings when dealing with the • Police

• Health and Safety Executive and/or Local Authority Health and Safety Enforcement Officer where it is alleged that the insured person has or may have committed a criminal offence; or

(b) following an event which leads to the insured person being prosecuted in a court of criminal jurisdiction; or

(c) if civil action is taken against the insured person for compensation under section 13 of the Data Protection Act 1998. We will also pay any compensation award made against the insured person

under section 13 of the Data Protection Act 1998.

(2) We will defend the policyholder’s legal rights following civil action taken against the policyholder for wrongful arrest in respect of an accusation of theft alleged to have been carried out during the period of insurance.

(3) We will defend the insured person’s (other than the policyholder) legal rights if:

(a) an event arising from their work as an employee leads to civil action being taken against them under legislation for unlawful discrimination on the grounds of sex, sexual orientation, race, disability, age, religious belief or political opinion; or

(b) civil action is taken against them as a trustee of a pension fund set up for the benefit of the policyholder’s employees.

(4) We will represent the insured person in appealing against the imposition or terms of any Statutory Notice issued under legislation affecting the policyholder’s business.

(5) We will represent the policyholder in appealing against the refusal of the Information Commissioner to register the policyholder’s application for registration.

(6) We will pay the attendance expenses of an insured person for jury service.

Provided that

1. In so far as proceedings under the Health and Safety at Work etc Act 1974 are concerned, the territorial limit shall be any place where the Act applies.

2. At the time of the insured incident, the policyholder has registered with the Information Commissioner in respect of insured incident (1)(c).

What is not covered

Any claim which leads to the insured person being prosecuted for infringement of road traffic laws or regulations in connection with the ownership, driving or use of a motor vehicle.

(b) Disciplinary Hearings

We will represent the insured person’s legal rights if an event results in a disciplinary case brought against the insuredperson by the relevant Authority.

3. STATUTORY LICENCE PROTECTION

We will represent the policyholder in appealing to the relevant statutory or regulatory authority, court, or tribunal following an event which results in a licensing or regulatory authority suspending, or altering the terms of, or refusing to renew, or cancelling the policyholder’s licence, mandatory registration or British Standard Certificate of Registration.

What is not covered

(1) An original application or application for renewal of a statutory licence, mandatory registration or British Standard Certificate of Registration.

(2) Any licence appeal relating to the ownership, driving or use of a motor vehicle.

4. CONTRACT DISPUTES

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Provided that

(1) The amount in dispute exceeds GBP250 and is less than GBP5,000.

(2) If the amount in dispute is payable in instalments, the instalments due and payable at the time of making the claim exceed GBP250.

(3) If the dispute relates to money owed to the policyholder, a claim under this section is made within 90 days of the money becoming due and payable.

What is not covered

(1) Any claim relating to the following:

• the settlement payable under an insurance policy;

• a lease, licence or tenancy of land or buildings other than a dispute with a professional adviser in connection with the drafting of a lease, licence or tenancy agreement;

• a loan, mortgage, pension or any other financial product and choses in action;

• a motor vehicle owned by, or hired or leased to, the policyholder other than agreements relating to the sale of motor vehicles where the policyholder is engaged in the business of selling motor vehicles.

(2) A dispute with an employee or ex-employee which arises out of, or relates to, a contract of employment with the policyholder.

(3) A dispute which arises out of the:

• sale or provision of computer hardware, software, systems or services; or

• the purchase or hire of computer hardware, software, systems or services tailored by a supplier to the policyholder’s own specification.

(4) A dispute arising from a breach or alleged breach of professional duty by an insured person.

(5) The recovery of money and interest due from another party other than disputes where the other party intimates that a defence exists.

5. DEBT RECOVERY

We will negotiate for the policyholder’s legal rights including enforcement of judgment to recover money and interest due from the sale or provision of goods or services.

Provided that

(1) The debt exceeds GBP250.

(2) A claim for debt recovery under this section is made within 90 days of the money becoming due and payable.

(3) We have the right to select the method of enforcement, or to forego enforcing judgment if we are not satisfied that there are, or will be, sufficient assets available to satisfy judgment.

What is not covered

(1) Any claim relating to the following:

• the settlement payable under an insurance policy; • a lease, licence or tenancy of land or buildings;

• a loan, mortgage, pension or any other financial product and choses in action;

• a motor vehicle owned by, or hired or leased to, the policyholder other than agreements relating to the sale of motor vehicles where the policyholder is engaged in the business of selling motor vehicles.

(2) A dispute which arises out of the supply, hire, sale or provision of computer hardware, software, systems or services.

(3) The recovery of money and interest due from another party where the other party intimates that a defence exists.

6. PROPERTY PROTECTION AND BODILY INJURY (a) Property Protection

We will negotiate for the policyholder’s legal rights in any civil action relating to material property which is owned by, or the responsibility of the policyholder, following:

(1) any event which causes or could cause physical damage to such material property; or (2) any nuisance or trespass.

What is not covered

Any claim relating to the following:

(1) a contract entered into by the policyholder; (2) goods in transit or goods lent or hired out;

(3) goods at premises other than those occupied by the policyholder unless the goods are at such premises for the purpose of installations or use in work to be carried out by the policyholder;

(4) mining subsidence;

(5) defending the policyholder’s legal rights other than in defending a counter-claim;

(6) a motor vehicle owned or used by, or hired or leased to an insured person other than damage to motor vehicles where the policyholder is engaged in the business of selling motor vehicles.

(b) Bodily Injury

At the policyholder’s request, we will negotiate for an insured person’s and their family members’ legal rights following an event which causes the death of, or bodily injury to them.

What is not covered

Any claim relating to the following:

(1) any illness or bodily injury which develops gradually or is not caused by a specific or sudden accident; or (2) defending an insured person’s or their family members’ legal rights other than in defending a

counter-claim; or

(3) a motor vehicle owned or used by, or hired or leased to an insured person or their family members.

7. TAX PROTECTION

(a) Full or Aspect Enquiries

We will negotiate on behalf of the policyholder in respect of a full enquiry and/or aspect enquiry and represent them in any subsequent appeal proceedings.

(b) Employers’ Compliance

We will negotiate on behalf of the policyholder and represent them in any appeal proceedings in respect of a dispute concerning the policyholder’s compliance with Pay As You Earn or Social Security Regulations following a review by HM Revenue & Customs.

(c) VAT Disputes

We will negotiate on behalf of the policyholder and represent them in any appeal proceedings following an assessment issued by HM Revenue & Customs in respect of Value Added Tax due.

(d) Tax Intervention Enquiries

We will negotiate on behalf of the policyholder and represent them in any dealings with HM Revenue & Customs in respect of a tax intervention enquiry.

Provided that

(1) For all insured incidents, the policyholder has taken reasonable care to ensure that all returns are complete and correct and that such returns are submitted within the statutory time limits allowed.

(2) We will not pay more than GBP2,000 for claims in respect of aspect enquiries or tax intervention enquiries.

What is not covered

(1) In respect of aspect enquiries and tax intervention enquiries the first GBP200 of costs and expenses

in each and every claim.

(2) Any insured incident arising from a tax avoidance scheme.

(3) Any insured incident caused by the failure of the policyholder to register for Value Added Tax. (4) Any insured incident arising from any investigation or enquiries undertaken by HM Revenue & Customs

Special Investigations Section or Special Civil Investigations or the Revenue & Customs Prosecution Office. (5) Any insured incident arising from any investigation or enquiry by HM Revenue & Customs into alleged

dishonesty or alleged criminal offences.

WHAT IS NOT COVERED BY THIS SECTION

(1) Any claim reported to us more than 180 days after the date the insured person should have known about the insured incident.

(2) Costs and expenses incurred before the written acceptance of a claim by us.

(3) Fines, penalties, compensation or damages which the insured person is ordered to pay by a court or other authority other than compensation awards as covered under insured incident 1(b) Compensation Awards and 2 Legal Defence.

(4) Any claim relating to patents, copyrights, trademarks, merchandise marks, registered designs, intellectual property, secrecy and confidentiality agreements.

(5) Any claim relating to rights under a franchise or agency agreement entered into by the policyholder.

(6) Any insured incident deliberately or intentionally caused by an insured person. (7) A dispute with us not otherwise dealt with under Condition 7.

(8) Any claim relating to a shareholding or partnership share in the policyholder unless such shareholding was acquired under a scheme open to all employees of the policyholder or a substantial number of them of a certain minimum grade other than the directors or partners of the policyholder.

(9) Judicial review.

(10) Any claim caused by, contributed to by or arising from:

• ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;

27

military force or coup;

• pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.

(11) Legal action an insured person takes which we or the representative have not agreed to or where the

insured person does anything that hinders us or the representative.

(12) When either at the commencement of or during the course of a claim, the policyholder is bankrupt or has filed a bankruptcy petition or winding-up petition, or has made an arrangement with its creditors, or has entered into a deed of arrangement or is in liquidation or part or all of its affairs or property are in the care or control of a receiver or administrator.

(13) Any claim directly or indirectly caused by or resulting from any device failing to recognise, interpret or process any date as its true calendar date.

(14) Apart from us, the insured person is the only person who may enforce all or any part of this section and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to the section in relation to any third party rights or interest.

CONDITIONS WHICH APPLY TO THE WHOLE

SECTION

(1) An insured person must:

(a) keep to the terms and conditions of this section;

(b) notify us immediately of any alteration which may materially affect our assessment of the risk; (c) take reasonable steps to keep any amount we have to pay as low as possible;

(d) try to prevent anything happening that may cause a claim; (e) send everything we ask for, in writing;

(f) give us full details of any claim as soon as possible and give us any information we need. (2)

(a) We can take over and conduct in the name of the insured person, any claim or legal proceedings at any time.

We can negotiate any claim on behalf of an insured person.

(b) We will choose the representative to represent an insured person in any proceedings where we

are liable to pay a compensation award. In any other case an insured person is free to choose a

representative (by sending us a suitably qualified person’s name and address) if:

i. we agree to start legal proceedings and it becomes necessary for a lawyer to represent the interests of an insured person in those proceedings; or

ii. there is a conflict of interest

(c) Before an insured person chooses a lawyer or an accountant, we can appoint a representative. (d) Any representative will be appointed by us and represent an insured person according to

our standard terms of appointment (which may include a ‘no win, no fee’ agreement). The

representative must co-operate fully with us at all times.

(e) We will have direct contact with the representative.

(f) An insured person must co-operate fully with us and with the representative and must keep us

up-to-date with the progress of the claim.

(g) An insured person must give the representative any instructions that we require. (3)

(a) An insured person must tell us if anyone offers to settle a claim and must not agree to any settlement without our written consent.

(b) If an insured person does not accept a reasonable offer to settle a claim, we may refuse to pay further costs and expenses.

(c) We may decide to pay the insured person the amount of damages that the insured person is claiming or is being claimed against them instead of starting or continuing legal proceedings. (4)

(a) If we ask, an insured person must tell the representative to have costs and expenses taxed, assessed or audited.

(b) An insured person must take every step to recover costs and expenses that we have to pay and must pay us any costs and expenses that are recovered.

(5) If a representative refuses to continue acting for an insured person with good reason, or if an insured person dismisses a representative without good reason, the cover we provide will end at once, unless

we agree to appoint another representative.

(6) If an insured person settles a claim or withdraws their claim without our agreement, or does not give suitable instructions to a representative, the cover we provide will end at once and we will be entitled to re-claim any costs and expenses paid by us.

(7) If there is a disagreement about the way we handle a claim that is not resolved through our internal complaints procedure, we and the insured person can choose a suitably qualified person to arbitrate.

We and the insured person must both agree to the choice of this person in writing. Failing this we will ask the president of a national association relevant to the arbitration to choose a suitably qualified person. All costs of resolving the matter must be paid by the party whose argument is rejected. If the decision is not clearly made against either party, the arbitrator will decide how the costs are shared.

(8) We may at our discretion require the policyholder to obtain an opinion from counsel at the

policyholder’s expense as to the merits of a claim or proceedings. If counsel’s opinion indicates that there are reasonable grounds for the pursuit or defence of a claim or proceedings, the cost of obtaining the opinion will be paid by us.

Chief Executive Officer

DAS Legal Expenses Insurance Company Limited.

HELPLINE SERVICES

We provide these services 24 hours a day, seven days a week during the period of insurance. To help us check and improve our service standards, we record all calls.

EUROLAW COMMERCIAL LEGAL ADVICE

We will give the policyholder confidential legal advice over the phone on any commercial legal problem affecting the business, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway.

TAX ADVICE

We will give the policyholder confidential advice over the phone on any tax matters affecting the business, under the laws of the United Kingdom.

BUSINESS ASSISTANCE

In the event of an unforeseen emergency affecting the policyholder’s business premises which causes damage or potential danger, we will contact a suitable repairer or contractor and arrange assistance on behalf of the policyholder. All costs of assistance provided are the responsibility of the policyholder.

To contact the above services, phone us on 0117 934 2160 quoting Policy No: TS5/4861593. COUNSELLING

We will provide all employees (including any members of their immediate family who permanently live with them) of the policyholder with a confidential counselling service over the phone including, where appropriate, onward referral to relevant voluntary and/or professional services.

To contact the counselling helpline, phone us on 0117 934 2121. These calls are not recorded.

We will not accept responsibility if the Helpline Services fail for reasons we cannot control.

EMPLOYMENT MANUAL

The DAS Employment Manual offers comprehensive, up to date guidance on rapidly changing employment law. To view it, please visit our website at www.das.co.uk. From the Home Page click on the Employment Manual icon. All the sections of this web-based document can be printed off for your own use. Contact us at employmentmanual@ das.co.uk with your e mail address, quoting your policy number and we will contact you by e mail to inform you of future updates to the information.

TOWERGATEBUSINESSLAW

At www.towergatebusinesslaw.co.uk youwill find a free, online reference full of the sorts of letters, articles and forms that will help yourun yourbusiness successfully. Towergatebusinesslaw users can also access interactive document builders, to help make composing common commercial documents as easy as possible.

From new legislation and employment issues to property law and taxation, youwill find the content provided by Towergatebusinesslaw is updated regularly by legal experts to help youkeep yourbusiness one step ahead. To access Towergatebusinesslaw, you will need to register at www.towergatebusinesslaw.co.uk, using your DAS policy number TS/54861593 and the password TOW472301.

If you experience any problems accessing the service, please e mail details of yourproblem to businesslaw@das. co.uk with your policy number in the subject box.

If you have a specific legal problem or dispute, you should always contact your legal advice helpline for advice.