Warehouse Insurance

• Employers liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
• Buildings - Covers the cost of rebuilding your premises.
• Theft by employees - Cover against a direct loss as a result of fraud or dishonesty by employees up to a maximum of £5,000 in any one policy period.
• All risks specified items - Provides cover for specified items used away from the business premises throughout the UK and up to 30 consecutive days elsewhere in the world.
• Computer breakdown - provides cover for loss or damage caused by computer breakdown or failure up to a value specified by you.
  Cover also extends to:
  • 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.
• Personal accident - This cover provides compensation in certain circumstances to principals, directors and partners up to 65 years of age arising from accidents at work.
  
  The basic level of cover provides:
  
  

  a)   Death	£5,000
  b)   Loss of sight in one or both eyes	£5,000
  c)   Loss of one or more limbs	£5,000
  d)   Permanent total disablement after 104 weeks from the date of accident not arising from b) or c) above	£5,000
  e)   Temporary total disablement after 14 days from the date of accident	£200 per week up to 104 weeks

  Compensation is only payable in respect of one of the cover detailed in the Table of Compensations. See Policy Document Section 1 Extension 5.
• Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.
• Terrorism - Covers you against damage to your property from the effects of acts of terrorism up to the maximum sums insured of Section 1 - Contents and Section 4 - Buildings 

Commercial Legal Protection

We offer Commercial Legal Protection as an optional cover 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 significant 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:

• 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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