Salon Insurance

Optional Extras

For terms and conditions please see relevant policy document.

For an additional premium Cornhill Direct Business can offer a range of optional extras to your cafe and takeaway insurance policy. These include:

  • Buildings - It is possible to extend your contents cover to include your business premises and also include subsidence.
  • Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.
  • Theft by employees - Covers against a direct loss as a result of fraud or dishonesty involving the theft of money or contents by any employee up to the value of £5,000 in any one policy period.
  • All risks specified items - Provides cover throughout the UK for identified specified items that will be used away from your business premises. Cover is also provided for up to 30 days worldwide.
  • Commercial Legal Protection - This covers legal expenses which may arise in any number of different circumstances.
  • Terrorism - Covers you against damage to your property from the effect of acts of terrorism up to the maximum sums insured of Section 1 - Contents and Section 5 - Buildings.
  • Computer breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to the value specified by you.
    Cover also extends to include:
    • Loss or damage to computer records up to a limit of £5,000 in any one policy period.
    • Additional expenditure arising from the breakdown of computer equipment up to £10,000 in any one policy period.
    • Reinstatement of data up to £5,000 in any one policy period

Commercial Legal Protection

We also offer Commercial Legal Protection as an optional extra which will cover your legal expenses in certain circumstances as explained in the Policy Document. Our Commercial Legal Protection cover is underwritten by DAS Legal Expenses Insurance Company Limited who are not part of the Allianz group of companies.

Commercial Legal Protection cover has the following features and benefits:

  • Employment disputes and compensation awards.
  • Legal defence.
  • Property protection and physical injury.
  • VAT disputes and Tax investigations.
  • Maximum limit of £100,000 for any one claim for Employment Compensation Awards.
  • Maximum limit of £1,000,000 in any one period of insurance for Employment Compensation Awards.

Significant Exclusions or Limitations for Commercial Legal Protection include:

  • Employment dispute where the cause of action arises within the first 90 days of the indemnity provided by this Section.
  • Dispute with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the indemnity provided by this Section if the Date of Occurrence was within the first 180 days of the indemnity provided by this Section.
  • Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the indemnity provided by this Section.

 

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