office insurance

Exclusions and limitations

Please refer to the policy document for terms and conditions.

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to alarms and the effect on a claim if the value of property insured is greater than the sum insured you have selected, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claim.
For a full list please refer to the policy document.

• Office Security - Minimum standards of security apply. Our liability for loss or damage by theft or attempted theft (including loss of money) is excluded unless the security requirements are fully complied with - please see the leaflet headed 'Important Information' supplied with your quotation or policy pack for full details.
  The minimum level of security and any requirement for an alarm is indicated in the 'Clause or Endorsement' Section of the Schedule.
  See General Condition 6 of the Policy Document for full details and, if an alarm requirement is indicated in the Schedule, Special Clause 1.
• Unoccupancy - We must be notified immediately if any Office becomes unoccupied and a suitable extra premium paid if required. See clause H of Section 1 for terms and conditions.
• Goods in Transit - if a vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the policy document for terms and conditions.
• Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.
• Transit Condition - It is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:
  • the money must be accompanied by not less than two responsible adult persons.
  • not more than £2,500 will be carried by any one person.
• Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Extension 5 of Section 1 for terms and conditions.
• Personal Accident - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only apply if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions.
• Business Interruption - Loss of gross income to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 5 of the policy document for terms and conditions.
• Specified All Risks - Theft from vehicles: Loss or damage from an unattended motor vehicle is excluded unless such motor vehicle has been securely locked at all points of access. See Section 7 item A of the policy document for terms and conditions.
• Computer Breakdown - Cover is subject to certain specific limitations and exclusions (see section 8 of the policy document for more details) as well as general limitations and exclusions. In particular, cover for any property insured caused by its own breakdown only applies if an approved maintenance contract is in force - See Section 8, Exclusion 1 a) of the Policy Document for terms and conditions.

In respect of Section 3b (Public Liability) the following will apply

• Asbestos Exclusion - Only Applicable to Public Liability

  We will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos

  Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage

• Public Liability - Excludes injury, loss or damage arising from Products other than
  a) office equipment and motor vehicles belonging to you (other than stock in trade) that has become surplus to your requirements
  b) food or drink sold or supplied as a service to Employees or visitors.
  
• Public Liability – this cover excludes injury to Employees. See Section 3 (b) Exclusion D a) for terms and conditions.
• Work away from the office - other than non manual duties, collection or delivery is excluded - See section 3(b) - Public Liability, Exclusion D g)

Adequacy of sums insured - Your sums insured must represent the full cost of replacement. If you are under insured, we will only pay a proportion of your claim.
Your sums insured should represent the cost of:

• Buildings - rebuilding as new including an allowance for professional fees and removal of debris.
• Contents - replacement as new.