Industrial Insurance, Wholesalers Insurance and Warehouse Insurance

Material Damage

Available on a "Specified Perils" or "All Risks" basis for buildings and trade contents

Subsidence cover is available as an option in most areas

Business Interruption

• Loss of Gross Profit or Gross Revenue and/or Gross Rentals following Damage to your
business premises

• Loss of Book Debts following Damage to accounting records at your business premises

• The insured causes of Damage will follow those under Policy Section 1 unless you have
requested otherwise

Goods in Transit

Property whilst in transit in the UK and Republic of Ireland by road, rail or inland air freight

Money

Loss of Money as defined

• in transit and at contract sites

• in bank night safe

• in premises during business hours

• in premises outside business hours in safe

• in premises outside business hours not in safe

• in the custody of travellers and collectors

• in private dwellings

Personal Accident (Assault)

Benefits are payable for injury ustained during theft or attempted theft of money or other
property, resulting in

• Death

• Loss of limbs or sight

• Permanent total disablement

• Temporary total disablement

• Temporary partial disablement

• Incurred medical expenses

Employers' Liability
Indemnity Limit £10 Million (inclusive of legal costs) for any one occurrence, unless otherwise
shown in the schedule

Public Liability

Indemnity Limit for any one occurrence as shown in the schedule

Products Liability

Indemnity Limit for all occurrences during any one period of insurance as shown in
the schedule

Glass Breakage

• Breakage of fixed glass and sanitaryware

• Reasonable boarding up costs

• Signs Extension if shown in the schedule

All Risks on Machinery and/or Apparatus

Geographical Limit for each insured item as shown in the schedule

Deterioration of Refrigerated Foods

Deterioration or putrefaction of refrigerated foods caused by breakdown, escape of refrigerant
or electricity supply failure

Engineering Damage to Machinery and Plant

When more than one option is available the schedule will state which options apply out of the following

Inspection and Cover A

Statutory or non-statutory inspection of specified items of machinery and plant, and cover
for impact damage (up to £100,000 any one occurrence) to your surrounding property caused
by fragmentation of any inspected item

Cover B

Damage (up to £500,000 any one occurrence) either to specified items or to all machinery and plant caused by:

• Explosion, Collapse or Breakdown
or
• Sudden and Unforeseen Damage i.e. Explosion, collapse or breakdown, plus other accidental damage

Cover C

Damage (up to £1 Million any one occurrence) to your own surrounding property caused by
explosion of any boiler or pressure vessel to which Cover B above applies

Engineering Business Interruption

Loss of Gross Profit or Gross Revenue following Machinery or Plant Damage which is insured
under Policy Section 12 Loss will not be covered for at least 24 hours (the Exclusion
Period) following breakdown or explosion of machinery or plant.

Longer Exclusion Periods can be selected.

Computer Insurance

When more than one option is available the schedule will state which options apply
Standard Cover

• Damage to Hardware and Records

Optional Covers

• Loss of Information

• Increased Cost of Working resulting from:

Damage to Hardware and Records insured under the Standard Cover

Loss of Information if insured

Damage to Hardware due to its own breakdown or derangement

Damage where repair costs are recoverable under any maintenance or other agreement

accidental failure or fluctuation of electricity supply

accidental failure of any telecommunications system used in connection with computers

denial of access

Loss of Licence

Loss of an excisable liquors licence from causes beyond your control causing:-

• Loss of income

• Reduction in the value of the premises and/or business.

Other features

24 hour business assistance services

Free Helpline services available 24 hours a day, 7 days a week for:-

• Legal Advice on any business problem including Employment, Tax, Contract Disputes etc

• Emergency Assistance - rapid response from reputable local contractors to deal with any sort of emergency on your premises, including burst pipes, drainage problems, gas, electricity failures, serious roof damage

• Glass Replacement and Locksmith Services - rapid call outs for any glazing or door & window security problems.

Instalment Payment Method available in most cases

The following is a brief summary of the insurance cover available on a UK
insurers commercial combined insurance, commercial insurance or traders
combined insurance package policy. This is an example of one insurance
companies policy.

Many insurers offer similar commercial combined insurance, commercial insurance or traders combined insurance package policies and the insurance cover will be similar. However, please note that most commercial combined insurance, commercial insurance or traders combined insurance package policies will differ in many ways. Whichever sections are chosen, because this is a business insurance policy that is built section by section, may have differing warranties or conditions applicable. All warranties or conditions applied to commercial combined insurance, commercial insurance or traders combined insurance are very important and you should read through these very carefully.

You should always ask for your commercial combined insurance, commercial insurance or traders combined insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation. If a warranty is applicable this may mean that insurance cover will not apply in certain circumstances. For example, a public liability insurance policy may exclude the use of or application of heat (ie blowlamps). If a claim is caused by this event then cover will not apply. Or, if a products liability insurance policy does not include cover for products exported to the United States of America then insurance cover may not apply for injury, illness or damage caused by products exported to the USA. You may also need to have the electrical system at the premises checked by a qualified electrician every two or three years and a record kept of such visits.

The old adage "the cheapest is not necessarily the best" is certainly true for business insurance and commercial insurance which includes surgery insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.