Office Insurance

SUMMARY OF COVER-OFFICES

Contents (Rated on Disclosed Sums Insured)

Contents are insured against loss or damage on a wide accidental damage basis including theft and subsidence and can be classified as follows:

1. General Furnishings and Office Equipment

2. Business Files and Records

3. Computer Equipment (Hardware Cover Only)

Cover includes:

Full Theft Cover (including "Larceny" risk)

Day I Inflation Protection - Buildings/Contents (+ 15% of sum insured)

Contents (away from premises) - while temporarily away from your premises or in transit, up to 15% of the sum insured anywhere in the UK.

Specified Equipment (away) - covered worldwide.

Breakage of Fixed Glass - including framework, lettering, alarm foil and necessary boarding up as well as fixed external blinds and signs and fixed sanitary ware.

Replacement of Locks - following theft of keys up to £1,000.

Underground Services - damage to underground pipes and cables.

Computers (Rated per disclosed Sums Insured:- Hardware Cover Only)

- Full Theft cover (not restricted to forcible and violent entry/exit)

Excess-All Claims £200 increasing to £1,000 for Subsidence

Business Interruption (Rated on disclosed Sum Insured)

Damage to your Buildings or Contents can seriously interrupt your business and/or put your business to considerable additional expense. A choice of cover is available as follows.

1. Full Loss of Gross Revenue cover

2. Additional expenses incurred to maintain revenue

Extensions:

Prevention of access to your premises following damage to nearby property.

Public Utilities - accidental failure of public electricity, water, gas or telecoms.

Food and drink poisoning, defective sanitation, vermin, pests, murder, suicide or a notifiable human disease at your premises.

Book Debts - your inability to collect outstanding accounts following damage to your business records up to £50,000. (Automatic Package Cover)

Legal Liabilities (Automatically Included as Package Cover)

Protection is provided against your legal liabilities for bodily injury or damage to property up to the following limits:

Liability for injury to employees - £10 million any one occurrence.

Liability to the public - £2 million any one occurrence.

Liability for goods sold or supplied - £2 million any one period of insurance.

Money (Automatically Included as Package Cover)

Money is covered up to the following amounts:

Crossed Cheques and other non-negotiable items ......................................... £250,000

Cash, Bank Notes and Open Cheques

• In transit or on your premises in business hours ....................................... £4,000
• In your premises when closed for business and contained in
• a locked safe ..................................................................................... £2,000
• In your premises when closed for business and not contained
• in a locked safe .................................................................................. £250
• In occupied home of partner or employee ............................................. £500
• Personal effects per person (not exceeding £25 in personal money) .......... £250

Excess: £50 each and every claim

Personal Assault benefit included.

09/07