An Excess of £250 applies to all losses increased to £1,000 in respect of Subsidence
 
Storm damage to gates and fences is excluded
 
Storm, Flood, Escape of Water, Leakage of Heating Oil, Malicious Damage and Theft in respect of Unoccupied Buildings is excluded
 
Damage caused by pollution or a rise in the water table level is excluded.
 
 
The sums insured must be at least 85% of the value of the Property Insured at the time of a loss or you may have to pay a proportion of the claim yourself

Loss or damage to Contents whilst in your shop are covered against the same causes as on the Buildings section
 
Removal of Debris and making the buildings safe following insured damage is also insured

An Excess of £100 applies to all losses, increased to £250.00 in respect of Theft from a premises without an alarm and increased to £1,000 in respect of Subsidence
 
Storm, Flood, Escape of Water, Leakage of Heating Oil, Malicious Damage and Theft in respect of Unoccupied Buildings is excluded
 
Damage to Stock in any basement caused by Storm, Flood, Escape of Water or Leakage of Heating Oil is excluded unless the Stock is kept at least 6 inches off the floor
 
Damage caused by pollution or a rise in the water table level is excluded
 
The sums insured must be at least 85% of the value of the Property Insured at the time of a loss or you may have to pay a proportion of the claim yourself Contents section

Machinery, fixtures, fittings and Other Contents are insured for up to 15% of their sums insured whilst temporarily removed from your premises
 
The cost of replacing locks following theft of keys to the premises or to safes is insured

Damage by Theft, Storm and or from unlocked buildings is excluded
 
 
The maximum amount payable is £1,000

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

This benefit does not apply to people under 16 or over 70 years of age

Injury involving intoxication or drugs or any existing physical defect / infirmity is excluded

If the trade or business is interrupted by loss from an insured cause of loss under the Buildings or Contents sections, this section will pay for loss of Gross Earnings and Increase in Cost of Working during
the Indemnity Period
 
Cover for Loss of Earnings and Increase in Cost of Working is extended to apply in consequence of the following:-
·   Prevention of Access to the premises by an insured cause of loss
·  Defective Sanitation, Poisoning, Murder, Suicide or Disease
·  Damage at premises of your suppliers from an insured cause
·  Accidental failure of water, gas or electricity supplies
 
Professional Accountants and Auditors charges for certifying details of your claim are also insured

The amount payable for Additional Cost of Working is restricted to the loss of Gross Income avoided
 
The sum insured must be at least equal to the Gross Earnings at the time of a loss or you may have to pay a proportion of the claim yourself

If an Insured Person is killed or suffers a serious permanent injury, a lump sum benefit of £10,000 (or £100 per week for up to 2 years for temporary disablement) is payable
 
Medical Expenses of up to £500 are also payable

The benefit amounts shown are ‘per Unit of cover’ and up to 3 Units per person may be purchased
 
This section does not apply to people under 16 or over 70 years of age
 
Injury involving intoxication or use of drugs or any existing physical defect / infirmity is excluded

This section covers accidental loss or damage to property specified in the schedule.  This is included in the Contents Section

The following are excluded:-
· Electrical or mechanical breakdown or derangement
· Wear and tear, deterioration, depreciation or any other gradually operating cause
· Damage caused by use contrary to manufacturers instructions
· Theft from unattended vehicless

This section provides protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business.
 
Property Protection – cover provides protection for civil action following any event causing or likely to cause physical damage to your

In respect of civil cases, the cover is subject to the case having reasonable prospects of winning or making a successful defence
 
Any costs and expenses incurred before the written acceptance by us or the claims administrator of a claim

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