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Tradesman Liability Insurance
General Insuring Clause
In consideration of the payment of the premium to the Underwriters they will provide the insurance stated in each operative section
of this Certificate during the Period of Insurance.
This Certificate, the Proposal, the Schedule, including any Schedule issued in addition or substitution and any Endorsements or
Memoranda shall be considered one document and any word or expression to which a specific meaning has been attached shall bear
such meaning wherever it appears.
The words Certificate and Policy are agreed to share the same meaning wherever they appear in this document.
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SCHEDULE OF INSURANCE
This insurance is provided by the insurers on the basis of the statements, information and Material Facts advised to Miles Smith. A Material Fact is
one that an insurer would regard as likely to influence their assessment and acceptance of this insurance. You should check this Schedule and if
any of the statements, information or the Material Facts are incorrect or if there are any other Material Facts you should disclose you should
contact your adviser immediately. Failure to do so could invalidate your policy or result in a claim being repudiated.
Certificate Number B0740227150638
Insured AB Roofing Solutions Limited
Subsidiary Companies None
Address Canal Street Sheffield S4 7ZE
Business Description Roofing Contractor including up to 10% of Asbestos Work
Period of Insurance FROM 20th April 2015 TO: 19th April 2016
Both days inclusive Local Standard Time at the Insured’s Address
Number of Operatives
The premium is based on the total number of employees stated below. The Insured is responsible for notifying Underwriters
immediately if the number of employees changes.
Numbers
(a) Manual Proprietor / Partners 0
(b) Non-manual Proprietor / Partners 0
(c) Manual Directors / Employees 5
(d) Non-manual Directors / Employees 1
(e) Labour Only sub-contractors 0
Premium
GBP 2,731.68 Premium
GBP 163.90 Insurance Premium Tax at 6.0%
GBP 150.00 Policy Charge
GBP 3,045.58 Total
This is a minimum and deposit premium which is adjustable in accordance with Condition 8 – Number of Persons
Subjectivities
1. Employee Reference Number (ERN)
It is a condition precedent to liability that all subjectivities applied to the policy are fully resolved within 14 days. In the event that
all subjectivities are not fully resolved, Underwriters reserve the right to void the policy ab initio.
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Section 1 Employers’ Liability
Limit of Indemnity: GBP 10,000,000 as defined in the Tradesman Liability Certificate
GBP 5,000,000 in respect of terrorism
as defined in the Tradesman Liability Certificate
GBP 5,000,000 in respect of asbestos
as defined in the Tradesman Liability Certificate
Section 2 Public and Products Liability
Limit of Indemnity: GBP 5,000,000 as defined in the Tradesman Liability Certificate
Retroactive Date 20
th
April 2015
Excess
Section 1 Nil
Section 2 GBP 1,500
The Insured shall be responsible for the first amount of each and every claim or series of claims arising from one source or original
cause as indicated above. The amount shown is inclusive of all costs, expenses and adjusters’ fees incurred. Underwriters may
require the Excess to be paid at any time during the investigation, defence or settlement of any claim. Notwithstanding this
Excess, the Insured shall comply with Condition 5. Claims Conditions as if no Excess applied. The term “claim” means any
notification forwarded to Underwriters in compliance with Condition 5. Claims Conditions.
Wording Tradesman Liability Certificate.
Please refer to the Policy/Certificate Wording for applicable Endorsements/Conditions/Exclusions.
Endorsements/Conditions/Exclusions not contained within the Policy/Certificate Wording –
LMA3333 (Re)Insurers Liability Clause [as attached]
Operative Memoranda [as per Wording]
M6 Use of Heat Conditions M26 Height Restriction Deletion
M32 Personal Protective Equipment Clause M67 Mobile Access Equipment Condition
M79 Asbestos Conditions Claims Made M85 Additional Persons Employed Extension (50 Days)
THIS IS TO CERTIFY that in accordance with the authority granted to us by Underwriters under Contract No. B074022715 the said
Insurers are hereby bound in accordance with the terms and conditions as attached hereto or as entered hereon.
Date of issue 12-May-2015 by
Rostrum is a trademark of Miles Smith Limited, which is authorised and regulated by the Financial Conduct Authority.
Miles Smith Limited is registered in England 00951095.
Registered Office: 22 Melton Street, Euston Square, London NW1 2BW
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Endorsement attaching to and forming part of Certificate Number: B0740227150638
(RE)INSURERS LIABILITY CLAUSE
(Re)insurer’s liability several not joint
The liability of a (re)insurer under this contract is several and not joint with other (re)insurers party to this contract. A (re)insurer is
liable only for the proportion of liability it has underwritten. A (re)insurer is not jointly liable for the proportion of liability
underwritten by any other (re)insurer. Nor is a (re)insurer otherwise responsible for any liability of any other (re)insurer that may
underwrite this contract.
The proportion of liability under this contract underwritten by a (re)insurer (or, in the case of a Lloyd’s syndicate, the total of the
proportions underwritten by all the members of the syndicate taken together) is shown next to its stamp. This is subject always to
the provision concerning “signing” below.
In the case of a Lloyd’s syndicate, each member of the syndicate (rather than the syndicate itself) is a (re)insurer. Each member
has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions
underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not
joint with other members. A member is liable only for that member’s proportion. A member is not jointly liable for any other
member’s proportion. Nor is any member otherwise responsible for any liability of any other (re)insurer that may underwrite this
contract. The business address of each member is Lloyd’s, One Lime Street, London EC3M 7HA. The identity of each member of a
Lloyd’s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above address.
Proportion of liability
Unless there is “signing” (see below), the proportion of liability under this contract underwritten by each (re)insurer (or, in the
case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together) is shown
next to its stamp and is referred to as its “written line”.
Where this contract permits, written lines, or certain written lines, may be adjusted (“signed”). In that case a schedule is to be
appended to this contract to show the definitive proportion of liability under this contract underwritten by each (re)insurer (or, in
the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of the syndicate taken together). A
definitive proportion (or, in the case of a Lloyd’s syndicate, the total of the proportions underwritten by all the members of a
Lloyd’s syndicate taken together) is referred to as a “signed line”. The signed lines shown in the schedule will prevail over the
written lines unless a proven error in calculation has occurred.
Although reference is made at various points in this clause to “this contract” in the singular, where the circumstances so require
this should be read as a reference to contracts in the plural.
LMA3333
21 June 2007
