• Explosion due to bursting of non-domestic steam boilers, or other steam apparatus.
• Storm, theft, accidental/malicious damage, burst pipes, or sprinkler leakage in an unoccupied building.
• Theft of contents not involving forcible and violent entry to or exit from the premises, or to items in gardens or landscaped areas.
• Storm, tempest or flood to fences, gates and property in the open.
• Damage due to terrorism.
• Damage to and arising from mobile phone masts.
• Frost, wear and tear, gradual deterioration, inherent vice, latent defect.
• Rot, mildew, rust, corrosion, insects, woodworm, vermin.
• Faulty or defective design workmanship or materials.
• Changes in water table level.
• Pollution or contamination.
• £250 excess applies (subsidence excess of £1,000).
• Damage to paintings, prints and works of art limited to £5,000 for any one item.

Conditions

Unoccupied buildings

Buildings not occupied for a period of more than 30 consecutive days are not insured unless they are notified to us and we agree to continue cover. If we do agree to continue cover, not all events will be covered by your policy; mains services must be switched off and water system drained other than in respect of security, fire alarms or sprinkler systems. The property must be inspected internally and externally weekly (with records kept), defects in security and maintenance rectified and any accumulations of combustible materials removed. You must also comply with security level requirements and ensure that the property is secured against unlawful entry and that all security protections are put into effect. Please see Policy Condition 13 of the policy document for terms and conditions.

Felt roof condition

You must ensure that any felt roof over seven years old is inspected annually, prior to the month of October in any given year, and any remedial work required is completed promptly.

Subsidence cover excludes:

• Damage to surfaced areas, walls, gates and fences, unless the building is also damaged.
• The settlement or movement of made up ground.
• Coastal or river erosion.
• Defective design or workmanship or the use of defective materials.
• Damage which commenced prior to inception of the policy cover.
• Damage as a result of demolition, excavation or other building work.

Loss of rent

Exclusions shown under the Property Damage section.

Property Owner's liability excludes:

• 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.
• Injury to any employee.
• Loss of or damage to property belonging to you or in your charge or control.
• Liability for loss or damage to goods sold, supplied, delivered, installed or erected, or the cost of recalling or refunding a defective product or rectifying faulty work.
• Liability arising out of ownership, possession or use of any mechanically propelled vehicle or attached trailer or any water craft or aircraft.
• Liability arising out of error or omission in any advice, design, formula, specification, inspection, certification or testing performed for a fee.
• In respect of liability arising from products which attaches solely under the terms of an agreement.
• Injury, loss or damage arising from manual work carried out away from the premises.
• Loss or damage to contract works undertaken under a contract or under J.C.T Clause 21.2.1.
• Any liability in respect of pollution or contamination occurring in the United States of America, Canada or any dependency or trust territory, or elsewhere caused by a sudden identifiable unintended and unexpected incident.
• Fines, penalties or liquidated, aggravated, punitive or exemplary damages.
• Liability arising out of the operation of a sling or cradle.
• £250 third party property damage excess.

Conditions

Bona fide subcontractors

You must ensure that any bona fide sub contractors used by you have Employers Liability and Public Liability insurance in force, with a minimum limit of indemnity of £2,000,000 for Public Liability. If you fail to comply your policy may not operate.

Employers Liability excludes:

• Work on an offshore installation or travel to or from.
• Liability arising out of the operation of a sling or cradle.
• Injury to any employee where motor insurance is required by Law.

Legal Expenses excludes:

• Employment contract cover exclusions.
• Property cover exclusions:
  • disputes which occur within the first 3 months of inception of this cover.
  • disputes with an employee who was subject to a warning in the 6 months preceding the inception of this cover.
  • disputes over redundancy.
  • any dispute that you have not discussed with Lawphone before you take any action.
• Disputes involving sub-contracting or contracts for services with self-employed persons:
  • claims relating to mining or subsidence.
  • property damage arising out of a contract you have with another person or organisation.
• Prosecution Defence cover exclusions:
  • allegations of dishonesty or intentional violence.
• Tax and VAT cover exclusions:
  • costs involving the normal reconciliation of your accounts and VAT returns.
  • allegations of criminal activities by the Insured.
  • representations during an in-depth investigation.
  • anything to do with an investigation by the Inland Revenue Special Investigation Section or Special Compliance Office.
  • anything to do with an investigation which started before inception of cover.
  • where your accounts or returns have only been investigated because earlier accounts have been investigated.
• License Protection cover exclusions:
  • hearings arising out of any commercial decision made by you.
  • the first application for, or standard renewal of the licence.
  • anything to do with drug offences or under age drinking.
• Personal injury cover exclusions:
  • personal injury disputes between you and any employee(s).
• Exclusions applicable to all covers:
  • disputes over rent, business rates or service charges.
  • any injury, damage, prosecution or appeal relating to owning or using a motor vehicle.
  • any fines or penalties.
  • any application for a judicial review.
  • disputes relating to share rights.
  • anything relating to franchise or distribution agreements.
  • costs we have not agreed in writing.
  • costs paid directly to the legal representative or anyone else without our permission.
  • VAT which can be recovered from elsewhere.
  • disputes or claims arising from the deliberate, conscious, intentional or careless disregard by you of the need to take all reasonable steps to avoid, prevent and limit any such dispute or claim.
  • any pollution incident.