1. Max 10/10 Policy
The Schedule
Policy Number: PC5328 Agent: Coversure Insurance Services (Bognor
Regis Brightquote Ltd)
The Policyholder: Jonathan Richardson
Address: 116 Park Avenue
Waterlooville
PO7 5DP
The Business: Fire Protection Consultant & Extinguisher Service Engineer
Sections In Force (If shown as operative):
Section Operative Premium (GBP)
1. Employers' Liability No 0.00
2. Public and Products Liability Yes 182.00
3. Contract Works No 0.00
Commercial Legal Protection Yes Included
Total Premium 182.00
Insurance Premium Tax 10.92
Total Amount Payable 192.92
Effective Date: 01 December 2013 Expiry Date: 30 November 2014
Renewal Date: 01 December 2014
Policy Endorsements: ZCP12, ZLE 1
Section 2 - Public and Products Liability Limit of Indemnity GBP 5,000,000
Number of Persons: Administration 0 Depth N/A
All other persons 1 This is the number of persons declared to Us by
You and is the basis of the Premium
Endorsements: ZP010, ZP003, ZP012, ZP020, ZP210
The Excess: GBP 250.00
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2. GENERAL ENDORSEMENT
Identity of Insurers
The Insurers for sections 1, 2 and 3 of this Policy as referred to in the Definitions We / Us /
Our / TULAC are as stated below
Q B E Insurance (Europe) Limited
Definitions
QBE Insurance (Europe) shall mean QBE Insurance (Europe) Limited (registered in England number 1761561; Home State - United
Kingdom. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority; registration number 202842). Registered address: Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, tel:
020 7105 4000 fax: 020 7105 4019.
The Insurer for Commercial Legal Protection Insurance is DAS Legal Expenses Insurance
Company Limited as referred to in the seperate policy wording, Policy No: TS5/5037194
This Schedule is issued by Towergate Commercial
Underwriting on behalf of the Insurers described in
the above General Endorsement
Signed on behalf of the Underwriters
David Boulcott, Underwriting Director
Towergate Commercial Underwriting
Towergate Commercial Underwriting
Tel: 0845 070 1686 Fax: 0845 072 0230 www.towergateunderwriting.co.uk
Towergate Commercial Underwriting is a trading name of Towergate Underwriting Group Limited
Registered in England No 4043759 Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent. ME14 3EN Authorised and regulated by the
Financial Conduct Authority
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3. ZP010 - Professional Indemnity Exclusion
Notwithstanding anything contained in Exception 6 to Section 2 Public and Products Liability We will not provide indemnity in respect of
any claim arising out of errors omissions or neglects in any
1. advice given or tendered by or on behalf of The Insured
2. plan survey report certificate or similar document
3. design formula instruction specification
4. computer programme
prepared by or on behalf of The Insured
ZP003 - Heat Work Away From The Premises Exclusion
We will not provide indemnity in respect of liability following loss of or Damage toProperty arisingfrom the performance of work
involving the use of any
a) electric, oxy-acetylene or similar welding or cutting equipment
b) cutting and grinding equipment using abrasive disks or wheels
c) blow lamp, blow torch, flame gun, hot air gun or hot air stripper
d) asphalt, bitumen, tar or pitch heater
e) thermal lance
other than on premises owned leased or rented by You
ZP012 - Inefficacy Exclusion (Total)
We will not provide indemnity in respect of liability arising from the failure or alleged failure or unsuitability of any Products Supplied to
perform correctly their or its intended function.
ZP020 - Rights of Recourse Warranty
It is hereby warranted that The Insured maintains full rights of recourse against any manufacturer or supplier with whom The Insured
has entered into a legal contract for the provision of products and/or components.
ZCP12 - Complaints Procedures Amendment 2012
The complaints procedure (Our Service to You) in this policy is amended to the following:
Our Service to You
Our goal is to give excellent service to all Our customers. We take all complaints We receive seriously and aim to resolve all Our
customers' problems promptly. To ensure that We provide the kind of service you expect We welcome Your feedback.
We will record and analyse Your comments to make sure We continually improve the service We offer.
What happens if You complain?
A) We will acknowledge Your complaint within 2 working days of receipt.
B) We may refer your complaint to your insurance adviser or the insurerif it relates to a matter that they need to resolve, but we will
inform you when this happens.
C) We aim to resolve complaints within 5 working days.
D) Once an assessment and full investigation of Your concern has been made We will respond with a decision.
Most of Our customers' concerns can be resolved quickly, but occasionally more detailed enquiries are needed. If this is likely, We will
contact You with an update and give You an expected date of response. This will not be beyond 28 working days from when You first
made Your complaint.
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4. If You remain unhappy with the decision You receive or We haven't dealt with the issue within 56 days You may be able to refer the
matter to the Financial Ombudsman Service (FOS).The Financial Ombudsman Service will become
involved if you are an eligible complainant as defined by the rules of the Financial
Services Authority.
Whilst We are bound by the decision of the FOS, You are not. Following the complaint procedure does not affect Your right to take
legal action.
What You should do if You would like to complain. Following this complaints process will not affect Your legal rights.
The steps You should take if dissatisfied
Step 1 Refer Your complaint to Towergate Underwriting Liability & Construction's Managing Director.
If You are disappointed with any aspect of the handling of Your insurance You should contact, with full details including policy number
and/or claim number, the
Managing Director
Towergate Underwriting Liability & Construction
Towergate House
20 Ellerbeck Court
Stokesley
North Yorkshire
TS9 5PT
Tel: 0845 072 0224
Fax: 0845 072 0230
Email: liabilityandconstruction@towergate.co.uk
Step 2 Refer Your complaint to the Financial Ombudsman Service.
If after making a complaint to Towergate Underwriting Liability & Construction You are still unhappy and You feel the matter has not
been resolved to Your satisfaction, you may request assistance from
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel 0800 023 4567 or 0300 123 9 123
Email address:complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
ZP210 - Manual Work in North America Exclusion
We will not provide indemnity in respect of liability arising in connection with manual work carried out by or on behalf of The Insured in
the United States of America or Canada or any territory within their jurisdiction.
ZLE 1 - Commercial Legal Protection Extension
The attached Commercial Legal Protection Policy No: TS5/5037194 is deemed to form part of policy wording reference
tulac/max1010/v1/jun07/6223.
Further, part 1 of the Commercial Legal Protection cover (Employment Disputes and Compensation Awards) is not operative unless
Section 1 - Employers' Liability is also operative.
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