Traders Combined

Cover has been specially tailored by Central Insurance Services to provide an extensive and wide ranging cover for commercial risks including:-

Buildings and Contents

Accidental Damage Cover provides protection against any loss or damage subject to a few simple exceptions. Cover includes:-

Damage to glass/signs (automatically included when Buildings insured)

Underground services to your premises

Goods in transit on own and hauliers' vehicles - limit £10,000

(Including temporary warehousing during transit up to 30 days)

Loss of metered water/domestic heating oil

Loss of book debts - limit £25,000

Replacement of locks and keys following theft

Subsidence

Money (Standard Limits)

In transit/on premises during business hours-£2,000
Cheques and non-negotiable items-£250,000
In safe out of business hours-£1,000
Contents of money-operated machines-£100
At occupied home of partner/employee-£250
Any other circumstances-£250

Hired-In Plant

Liability for loss/damage to plant hired in under contract conditions making you responsible for any damage to the plant-limit £50,000

Extends to include plant on free loan to the Insured
Extends to include loss of hiring charges - limit 6 months

Excess

Property/Glass/Book Debts/Goods in Transit/Hired-In Plant - £250
Subsidence - £1,000

Special Clauses applying

Average only applies if sum insured falls below 85% of actual value
Debris Removal Clause extends to include stock
Seasonal Stock Increase in November/December - 20%
Reinstatement applies to Buildings/Plant and Machinery
No Underinsurance Clause applies to

-Goods in Transit
-Book Debts
-Glass Insurance

War and Terrorism Exclusion

Insurers are no longer able to offer the restricted Material Damage and Business Interruption cover previously provided in respect of loss or damage caused by an act of War or Terrorism.

Cover for Material Damage and Business Interruption against War or Terrorism remains available on request.

Optional Covers

All Risks on Specified Items

A special section is available under this policy for the cover of specified items on which you require cover not only on the premises but at any situation.

Cover available - UK or worldwide

Liabilities

Employers Liability-indemnity limit £10,000,000
Public and Products Liability-indemnity limit £1,000,000/£2,000,000 as required
(Third Party Property Damage Excess £250)

N.B. The standard limit of indemnity in respect of War or Terrorism will be restricted to:

Employers Liability-£5,000,000.
Public Liability-£2,000,000

Clauses:

Cross Liabilities Clause
Motor Contingent Liability
Tenants Liability Rented Premises
Use of Mobile Plant as a Tool of Trade (not RTA cover)
Sudden and Unforeseen Pollution
Consumer Protection Act Defence Costs
Health and Safety at Work Act Defence Costs
Subrogation Clause available

Loss of Income

This covers the loss of income you may suffer because of damage to your premises or contents from any insured cause. Cover is on an Accidental Damage basis.

Standard Indemnity Period-12 months (or as required)

Extensions:

Accidental failure of public utilities at the premises (electricity; gas; water)
- limit £10,000

A notifiable human infectious or contagious disease, food or drink poisoning within 10 miles of the premises - limit £10,000

Murder or suicide at the premises - limit £10,000

Defective sanitary arrangements or vermin at the premises leading to closure by the Local Authority - limit £10,000

Denial of access to the premises - limit £10,000

Damage at suppliers' premises - limit £10,000

Damage at customers' premises - limit £10,000

Accidental failure of telecommunications - limit £10,000

Damage at outworkers' premises to patterns, jigs, models, templates, moulds, dyes, tools, plans, drawings and designs at the outworkers' premises - limit £10,000

Damage to property in transit by road, rail and inland waterway - limit £10,000

Damage to motor vehicles belonging to you - limit £10,000

Damage at any situation where you are carrying out a contract - limit £10,000

Damage anywhere you are exhibiting goods - limit £10,000

Loss of attraction - damage to property in the vicinity of the premises which causes a loss of custom to the business directly due to a reduction in customers visiting the area - limit £10,000

FEATURES

1.No hidden adjustments on wages paid at the year end. One single premium provides cover for the year of insurance unless there is a major change in the business, which must be advised to Insurers.

2.A risk management and security check on your business premises will be carried out and any recommendations advised to you.

3.Instalment arrangement available.

4.Additional Covers

A variety of additional covers can be included where required:

Deterioration of refrigerated stock
Full Glass Insurance where Buildings not insured
Loss of Licence Insurance