Insurance Scheme for the Cleaning & Support Services Industry

Summary of Insurance Covers

(Proposal forms and comprehensive guide can be downloaded using the links on the right)

The Insurance Scheme is underwritten by International Insurance Company of Hannover Limited.

This summary is a brief resume of the cover provided under the Scheme and full description is incorporated in the Policy document which we can provide you on request but you will of course receive the document at inception of the Insurance.  We always advise the clients to carefully read the Policy to ensure that the Policyholder is fully aware of the covers and revert to us if there are issues which need explanation or amendments. 

Brief description of the covers is as follows:

1. PUBLIC LIABILITY AND PRODUCTS LIABILITY SECTION

Under this section the Insurers will indemnify the Insured against all sums which the Insured
shall becomelegally liable to pay as damages arising out of accidental injury to any
person or damage to property in connectionwith the Insured's  business.

The Policy can include the following Extensions.

INEFFICACY AND CONTRACTUAL LIABILITY

The Insurers will indemnify the Insured in respect of liability for Bodily Injury or Damage arising out of services that the Insured has contracted to provide in course of the Insured’s business.  The cover extends to include Bodily Injury or Damage caused by or arising from the failure of any product to fulfil its intended function or arising out of wrongful advice given directly in connection with such product. 

INCORRECT DESTRUCTION

The Insurers will indemnify the Insured in respect of liability for damage caused as a result of incorrect destruction whilst in the course of carrying out of Insured’s Trade or Business. 

PROPERTY HELD IN TRUST

Where vehicles or personal effects of persons other than the Insured are held in trust by or in the custody or control of the Insured the Insurers will indemnify the Insured against legal liability in respect of accidental loss of or damage to such property. 

CUSTOMERS PROPERTY REMOVED FOR CLEANING

The Insurers will indemnify the Insured in respect of liability for customers’ property taken from the customers premises for the purpose of cleaning renovation or repair. 

FAILURE TO SECURE PREMISES

The Insurers will indemnify the Insured in respect of liability for damage arising out of failure to secure customers’ premises.

PROPERTY BEING WORKED UPON (INCLUDING TREATMENT RISKS)

The Insurers will indemnify the Insured in respect of any liability for Damage to property upon which a Director Partner or Employee of the Insured is or has been working where the Damage is the direct cause of such work.

THE PUBLIC AND PRODUCTS LIABILITY SECTION CAN ALSO INCLUDE THE FOLLOWING EXTENSIONS:

a              Cross Liabilities
b             Legal Costs and Expenses
c              Defective Premises Act 1972
d             Health and Safety at Work and Corporate Manslaughter Defence Costs
e             Motor Contingent Liability
f              Leased and Rented Premises
g              Mechanical Plant as Tool of Trade
h             Indemnity to Principal
I               Movement of Obstructing Vehicles

A FULL EXPLANATION OF THE ABOVE EXTENSIONS CAN BE PROVIDED ON REQUEST

2. EMPLOYERS LIABILITY

This Insurance is required by law and provides cover for legal liability in respect of Accidental Death, Bodily Injury or Disease to any person employed arising out of and in the course of his or her employment.
The following Extensions will be included :-
a              Health and Safety at Work and Corporate Manslaughter Defence Costs
b             Compensation for Court Attendance
c              Indemnity to Principal
d             Employees Unsatisfied Damages
e             Private Work
f              Additional Activities

A FULL EXPLANATION OF THE ABOVE EXTENSIONS CAN BE PROVIDED ON REQUEST

3. LOSS OF KEYS SECTION

The Insurers will indemnify the Insured against all sums the Insured shall become liable to pay including any consequential loss arising out of a customer’s keys being lost in the custody or control of  the Insured or any Director or Partner or Employee of the Insured. 

4. FINANCIAL LOSS

Under this section the Insurers will indemnify the Insured against all sums that the Insured is legally liable to pay as  damages costs and expenses for accidental financial loss where such loss is not consequent upon injury or loss of or damage to property.  

5. MISUSE OF CUSTOMERS TELEPHONES

The Insurers will pay to the Insured and/or customers of the Insured the amount of any loss they shall discover due to any act of fraud dishonesty or embezzlement caused by misuse of customers telephones by an employee of the insured.

ALL THE ABOVE SECTIONS WILL PROVIDE INSURANCES IN ACCORDANCE WITH THE LIMITS OF LIABILITY AND EXCESSES STATED IN THE QUOTATION AND SCHEDULE OF THE POLICY.

Furthermore the policy will be subject to certain exclusions and details of these can be provided on request but the full cover will of course be incorporated in the policy document.  A copy of the policy document can be issued on request.  The signed document will be issued on completion of the insurance. 
We can also provide covers for the following additional insurances

1. Fidelity Guarantee
2. Personal Accident
3. Money Insurance
4. Buildings Contents and All Risks
5. Legal Expenses
6. Directors and Officers liability

We will be pleased to provide insurances for the above covers on receipt of the relevant details and appropriate forms can be sent to you. Please communicate with us in this regard.