Optional extras
Please refer to the policy document for terms and conditions.
You can also select a range of optional extras to add on to your insurance policy, for an additional premium:
- Employers liability - cover for damages, legal costs and expenses for which you are liable as a result of injury to your employees. Cover limit: £10,000,000.
- Buildings - provides for the cost of rebuilding.
- All risks cover as standard as per Business Contents
- Option to include subsidence
- Theft by employees - cover against fraud or dishonesty of employees involving the theft of money and contents. Limit £5,000. Policy excess: £250.
- All risks - specified items - UK cover for specified items that will be used away from the premises, with up to 30 days worldwide cover. Policy excess: £250.
- Computer breakdown - cover against breakdown or failure of computer equipment up to a level specified by you "provided an approved maitenance contract is in place". Loss or damage to computer records. Cover limit: £5,000. Cover against additional expenditure following computer breakdown. Cover limit: £10,000. Cover against incompatibility of computer records and additional rental costs. Cover limit: £5,000. Policy excess: £250.
- Personal accident - cover for principals, directors and partners aged between 16 and 60 that provides compensation arising from accidents at work. Temporary total disablement. £200 weekly benefit. Death or permanent total disablement. £5,000 capital sum. No compensation is paid for first 14 days of temporary total disablement.
- Subsidence - cover against damage to your premises due to subsidence, ground heave or landslip.
- Terrorism - an optional cover designed to cover your business against the effects of Acts of Terrorism (subject to underwriting acceptance).
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