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This is a summary of what the policy covers, please read, print and close the window to continue

1. Employers Liability Policy Summary

Employers Liability is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

This policy provides cover in respect of legal liability for damages and legal costs for:

injury to any person employed caused during the period of insurance and arising out of and in the course of employment by the insured in the business

The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and all the terms and conditions that apply you should read the policy document, a copy of which will be provided on completion of your contract or at any time on request.

EMPLOYERS’ LIABILITY INSURANCE – the following will automatically be included

Standard Cover

Employers Liability. Injury of any person employed caused during any period of insurance. Injury is defined as bodily injury death disease or illness

Legal Defence costs in defending proceedings arising from a breach of the Health & Safety at Work Act 1974, the Health & Safety at Work (Northern Ireland) Order 1978 where there has been no actual injury.

Limit of Indemnity for Employers Liability £10,000,000 any one event (restricted to £5 million in respect of terrorism)

Higher Indemnity Limits may be available in some circumstances upon request

Covers Employees temporarily working overseas

Indemnity does not apply for;

Nuclear risks

Injury for which you are required to arrange motor insurance in accordance with road traffic legislation within the European Community

General Conditions & Exclusions

The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document.

General Conditions and Exclusions

If there are any changes to the Business, the Premises, the property therein or any other circumstances whereby the risk is increased you must inform us immediately. Failure to do so could invalidate the policy or result in a claim being repudiated

Cover for any work undertaken Offshore is excluded. Offshore shall mean embarkation on to a vessel or aircraft for conveyance to an offshore rig or platform until disembarkation from the conveyance on to land upon return from such offshore rig or platform

You must at your own expense take reasonable precaution(s) to prevent any occurrence or cease any activity which may give rise to liability under the Policy and maintain all buildings furnishings ways works plant machinery and vehicles in sound condition

Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority
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2. Public and Products Liability Policy Summary

Public and Products Liability is underwritten by Royal & Sun Alliance Insurance plc. It is an annual renewable contract.

This policy provides cover in respect of legal liability for damages including claimant legal costs for:

accidental Injury to any person excluding persons employed
accidental loss or damage to third party Property
nuisance and trespass (excluding deliberate acts)

happening during the period of insurance in connection with the Business.

Cover can be taken with or without liability for products supplied

PUBLIC AND PRODUCTS LIABILITY INSURANCE – the following will automatically be included

Standard Cover

Public Liability. Accidental Injury to members of the public or accidental damage to their property
Products Liability. Accidental Injury or accidental damage to property resulting from products supplied
Wrongful arrest or wrongful imprisonment of a member of the public
Contingent Motor Liability
Legal Defence costs in defending proceedings arising from a breach of the Health & Safety at Work Act 1974, the Health & Safety at Work (Northern Ireland) Order 1978 or Part II of the Consumer Protection Act 1987 where there has been no actual injury or damage. Limit of Indemnity £250,000 any one period of insurance

The minimum limit of Indemnity provided for Public Liability will usually be £1,000,000 any one event. Higher limits can often be provided

The minimum limit of Indemnity provided for Products Liability will usually be £1,000,000 any one Period of Insurance. Higher limits can often be provided

The Policy will usually allow the claimant’s costs and expenses in addition to the Limit of Indemnity

Excludes legal liability;

arising from risks that require more specific insurance i.e. Motor, Marine
arising in connection with advice, design or specification provided for a fee
for Injury to employees
arising from loss of or damage to property in your custody or control
caused by pollution unless sudden and accidental
arising from contractual liability for products
Fine and penalties
Defective products and work and the repair, replacement or recall of same work
Fear of contracting asbestos related diseases
Pre-claim asbestos clean up costs
Some other specific events may be excluded or cover may be qualified.

General Conditions

The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document.

General Conditions

If you fail to take reasonable precautions to prevent damage, prevent an occurrence or cease any activity that may give rise to a claim under the Policy.

Excesses & Limits

Your policy may be subject to excesses, which are the amounts you must pay in the event of a claim. Standard Third Party Property Damage excess is the first £250 of each claim. This excess can vary depending on your claims experience. Also, certain claims limits may apply. These will both be shown in your policy schedule.