STANDARD COVER INCLUDES THESE BENEFITS:
Sums Insured
All those stated below are the minimum STANDARD value but any can be increased appropriately for your Practice when you complete your Proposal Form.
Index Linking
As a protection against inflation, other than Public or Employers Liability, all sums insured are index listed.
Buildings & Office Contents
Cover is All Risks of Accidental Loss or Damage from fire, special perils and theft on:
- Buildings cover is optional but includes Landlords fixtures & fittings and Tenants improvements & decorations.
- Office Contents including all furniture, fixtures & fittings, office and computer equipment and including Partners & employees personal effects.
Business Interruption
Cover is provided against loss of Gross Income following interruption to your business - £250,000 standard sum insured in any twelve month period.
The Standard Indemnity Period is 24 months.
Plus Additional Benefits
- Additional increased Cost of Working £50,000
- Plans, deeds, briefs, books, documents and office records - £10,000
- Property Stored
- Loss of Court Appearance Costs - £10,000 if court case is cancelled as a result of an insured peril
- Loss resulting from murder, suicide or disease
- Damage in the vicinity of the office preventing access
- Damage at suppliers premises
- Damage at public utilities (gas, electricity, water and telecommunications)
Accounts Receivable
Money owed to you by customers which cannot be collected because records are lost or damaged (limit £10,000)
Rent
Cover for your liability as a tenant to pay rent (limit two years) £50,000 any one year.
Glass Breakage
- Breakage of fixed glass (including damage to sanitary fittings)
- Damage to window frames (limit £500)
- Damage to ornamental or other lettering and alarm foil (limit £500)
Signs
Damage to signs (neon signs are excluded)
Goods and Equipment in Transit
Loss or Damage to your goods during transit by any conveyance (limit £2,000)
Lock Replacement
Replacement of locks due to keys being stolen from your premises (limit £1,000)
Employers' Liability
Damages, legal costs and expenses for which you are legally liable as a result of injury to your employees. The standard indemnity limit is £10 million any one event inclusive of all damages and costs. A higher limit may be available upon request.
Cover extends to include Unsatisfied Court judgements.
Public Liability
Injury to the public or loss or damage to their property.
The standard indemnity limit is £5 million
Increased Indemnity limits may be available on request.
Money
Cash, uncrossed cheques and other negotiables:
- In transit or on your premises during business hours (limit £5,000)
- On your premises in a safe, out of business hours: limit £1,000 (greater limits are available)
- On your premises not in a safe, out of business hours (limit £500)
- In a private dwelling (limit £500)
- From vending machines (limit £300)
- Crossed cheques and other negotiables (limit £250,000)
Assault
Death or bodily injury to yourself or any of your employees as a result of robbery or hold-up in the course of the business:
- For death, loss of limbs or eyes (limit £10,000)
- For temporary total disablement (limit £100 per week for up to 104 weeks)
- Age limits 16 to 70
Loss of Metered Water
Loss of metered water as a result of any accidental cause (limit £2,500)
Landscaped Gardens
and external patios/terraces
Restoring damage caused by the Emergency Service (limit £1,000)
Optional Additional Covers
- Computer Breakdown: includes computer records, additional expenditure, incompatibility of computer records, additional rental
- Fidelity Guarantee £5,000
- Laptop – All risks anywhere in the UK : £10,000
- Personal effects while at court – All risks anywhere in the UK : £500 per solicitor - £50 excess
- Subsidence on Buildings cover if selected
- UK wide All Risks cover on specified items
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