The descriptions below are brief and not intended to convey the full terms and conditions. A full policy wording is available on request.

Buildings & Contents
Being all property (other than Buildings) of the insured or held by the insured in trust. This Section includes loss of or damage to Directors, Partners, Residents, Visitors, Employees and Proprietors personal effects. The limit per person is £500 and the first £25 of each and every loss is excluded. Unless otherwise specified the first £250 of each and every loss in respect of Buildings & Contents is excluded, except for the perils of subsidence, Landslip or Heave where a higher excess of £1000 for each and every loss applies.

Loss of Gross Revenue/Gross Profit and Increased Cost of Working
Covers Gross Revenue/Gross Profit Loss or Increased Cost of Working following material damage and includes loss due to or caused by Vermin, Contagious and/or Infectious Illness, Food or Drink Poisoning, Pollution, Failure of Public Supplies or Denial of Access.

Employers Liability
Protection is provided against your Legal liabilities for personal injury to employees.

Public Liability – including malpractice as defined
Provides indemnity in respect of your Legal Liability to Third Parties including Residents up to the limit selected in respect of Death, Injury, Food or Drink Poisoning or Loss or Damage to Property.

Legal Expenses
Costs expenses and other dispersements reasonably and properly incurred for which the insured may be made liable by order of a court.

Personal Accident
Covers Bodily Injury as defined and Death in accordance with the number of units selected.

Theft by Employee
Cover is provided in respect of any loss of money or goods caused by any act of Theft.

Book Debts
Covers your inability to collect outstanding accounts following damage to your business records.

Money – Section 1
Item 1 – Your money is covered up to the following amounts: