Engineering Insurance
Exclusions and limitations
For terms and conditions please see the policy document.
These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under-insurance, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.
- Theft damage to premises - Where optional cover for buildings has not been purchased, loss or damage to the premises directly resulting from theft is limited to £25,000 for any one loss. See Clause V of Section 1 for terms and conditions..
- Empty Buildings - We must be notified immediately if any building becomes unoccupied and a suitable extra premium paid if required. A warranty also applies which details measures you must take to protect the premises during periods of unoccupancy. See Clause N of Section 1 for terms and conditions.
- Stock in any cellar or basement to be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Premises, items A3 & A4, for terms and conditions.
- Fire Protection Measures - Section 1 Contents and Section 4 Buildings
It is warranted that:- all fire break doors and shutters be kept closed, except during working hours, and be maintained in efficient working order
- all fire extinguishing appliances be maintained in efficient working order.
- Waste removal warranty - It is warranted that all trade waste is swept up and bagged every night and removed from the premises at least once a week. See page 5 of the policy document for terms and conditions.
- Minimum standards of security apply - Our liability for loss or damage by theft or attempted theft (including loss of money) is excluded unless our security requirements are fully complied with. Click here for details.
- Goods in transit (Security) - if a vehicle is left unattended it must be locked at all points of access and it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E2 of the Policy Document for terms and conditions.
- Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension H4 of the Policy document for terms and conditions.
- Transit Condition - It is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:
- a) the money must be accompanied by not less than two responsible adult persons;
- b) not more than £2,500 will be carried by any one person..
- Personal Accident: Assault - Age limits of 16 to 70 apply. Compensation for death or loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 5 of Section 1 for terms and conditions.
- Fire Precautions Condition: Public Liability - This condition details measures to be taken by you, your employees or subcontractors whenever carrying out work away from your premises which involves the application of heat or angle grinders. See page 16 of the policy document for terms and conditions.
- Public Liability - Cover excludes legal liability arising out of:
- work on offshore installations
- lack of care or skill in giving professional or other advice or treatment (other than first aid)
- Asbestos Exclusion - Only Applicable to Public and Products Liability
We will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage
- Products Liability - Cover excludes injury or loss of or damage to property caused by or in connection with products which are:
- for use in or on any aircraft and which are critical to the safety or airworthiness of the aircraft;
- directly or indirectly exported to the United States of America or Canada.