Standard cover

Material damage

• Fire and perils included as standard
• Buildings including landlords fixtures and fittings, outbuildings, car
  parks and loading bays
• General Contents including personal effects £1,000, Money £1,000,
  Wines and spirits £1,000
• Office computers, software, stock and materials
• Stock and material in trade, work in progress, finished goods
• Replacement of locks following theft of keys
• Additional metered water charges up to £10,000
• Trace and access up to £10,000 / 10% of the sum insured

Legal expenses (covered as standard)

• Limit of indemnity £250,000
• TUPE cover included as standard
• Cover for restrictive covenants
• Crisis communication service
• No policy excesses
• Contract excess removed
• Mediation costs added
• Jury service inner limit removed
• Directors and partners included in motor prosecution defence
• Fair and proactive claims handling (specialist independent solicitors, no Alternative Business Structure (ABS))

Money (covered as standard)

• Loss of negotiable money (crossed cheques) £250,000
• Loss of money in transit / during business hours £5,000
• Damage to safes, franking machines and carrying cases
• Personal injury (robbery) cover included
• Engineering Breakdown up to £25,000

Optional cover

Business interruption

• Selected perils
• Prevention of access
• Exhibition cover up to £100,000
• Unspecified customers or suppliers within the EU, Norway,
  Switzerland and Iceland up to 10% of the sum insured or £250,000,
  whichever is the less
• Failure of Utilities up to £250,000, any one loss
• Murder, disease
• Additional expenses – employees lottery win
• Loss of business income resulting from damage covered under
  buildings, contents and stock
• Book debts of up to £250,000

Trade all risks

• Damage by any cause UK / EU or Worldwide

Goods in transit

• Accidental damage to property whilst in transit
• Includes loading, unloading and temporary housing
• Damage to containers, tarpaulins, ropes, chains and fastenings

Computer breakdown

• Specified computer equipment due to breakdown at premises
• Additional rental charges up to £25,000
• Incompatibility of computer records up to £10,000
• Consulting engineers’ fees and claims investigations costs up to £5,000
• Temporary repairs and / or expediting permanent repairs up to 50% of cost or £25,000

Frozen foods

• Damage to foodstuffs whilst refrigerated due to breakdown or accidental leakage

Employers’ liability

• Limit of indemnity £10 million
• Terrorism £5 million

Public and products liability

• Limit of indemnity up to £5 million

Terrorism

• In respect of Material Damage and Business Interruption

Cyber

• Cover for investigation costs, data restoration, business interruption and extortion
• 3 levels of cover up to £100,000

Prosecution defence costs applicable to liability extensions

• Costs and expenses in respect of criminal proceedings broughta against you
• Prosecution costs awarded against you
• Costs and expenses for legal representation
• Covers appeals against improvement and prohibition notices
  incurred with our consent

Personal accident

• Capital benefits – £10,000
• Temporary total disablement preventing return to work £50 per week
  up to 260 weeks
• Temporary partial disablement preventing return to work £25 per
  week up to 260 weeks
• Medical Expenses up to £10,000

Theft by employees

• Limit of Indemnity (per claim) of £100,000
• Auditor’s fees – cost incurred