Cover is limited to injury or disease occurring in the Territorial limits and arising out of your trade or business.

Your liability to third parties for injury or damage to their property arising from the following trade or business activities is insured up to the Limit of Indemnity stated in the schedule:
·  Work at your premises
·  Collection or delivery of goods or commercial visits involving non-manual work within the Territorial Limits
· Goods or services sold or supplied
 
The Limit of Indemnity is the maximum amount payable in respect of all liability arising out of goods or products sold or supplied in total in any one period of insurance
 
Your liability to third parties for injury can be extended to include injuries arising from professional treatments carried out in the course of your business insured up to the Limit of Indemnity stated in the schedule
 
The Limit of Indemnity is the maximum amount payable in respect of all liability arising out of professional treatments carried out in total in any one period of insurance
 
Legal Costs and Expenses relating to prosecution or appeals under the Consumer Protection Act 1987 are also insured

Liability for the following is excluded:-
·  Pollution or contamination
·  Property in your custody possession or control
·  Motor vehicles used in a situation where insurance is required
·  Making up or dispensing of medicines or medical preparations
·  Goods that are known to be for use or supply in the USA or Canada

Type 1

Hair Cutting, Styling, Drying, Colouring, Permanent Hair Waving, Perming, Crimping, Plaiting, Extensions (excluding the extensions themselves)

Type 2

Face & Body Painting including Henna Art, Make-up - to include the application of, Cosmetic Brushing, Manicure, Nail Art, Nail Extensions, Paraffin Wax, Pedicure

Eyebrow Plucking, Eyelash Curling, Eyelash and Eyebrow Tinting, Eyelash Perming, Eye Treatments, False Eyelashes, Ear Piercing (soft non-cartilaginous part only), Alkaline Skin Wash, Cleansing, Facials, Facial Massage, Masks, Scrubs, Steaming, Electrotherapy and Micro Electrotherapy including all over body, Oxygen Concentrator – use of, Aqua Detox, Bio Detox, Tooth Jewellery (Smile Gems & Tooth Fairy only)

Damage caused by virus hacking to computer equipment or date recognition failures is excluded
 
Loss damage or liability arising from any incident involving nuclear explosions, radiation or contamination from such incidents is excluded
 
Loss due to Acts of War or confiscation, nationalisation or requisition of property in times of war is excluded
 
Loss damage or liability arising from acts of terrorism (other than in respect of compulsory Employers Liability insurance) is excluded
 
Loss damage or liability arising outside the Territorial Limits is excluded unless the cover under the Policy has been specifically extended