Personal Accident
This policy covers you for bodily injury caused by accident and does not cover any claim caused or contributed by sickness. This policy will pay a maximum amount of £25,000 if you suffer bodily injury during the period of insurance which result in your:
- Accidental death
- Loss of, or loss of use of a limb(s)
- Loss of sight
- Loss of hearing
- Loss of speech
- Permanent total disablement
- Permanent partial disablement
Exclusions
Any bodily injury, loss or expense arising from:
- Engaging in active service of the armed forces in any nation
- Drugs, drug addiction and / or drink driving
- Travel to dangerous or unsettled areas
- Any gradually operating causes
- Non-passenger air travel
- Suicide or self-injury
- War
Business Equipment ‘All Risks’ Cover
This provides cover for business equipment, contents and / or stock up to a maximum value of £5,000. Sum insured options available of £1,500, £3,000 or £5,000 and covers:
- Property used solely in connection with your business, belonging to you or for which you are legally responsible.
- Property including therapy equipment, office equipment, tablet devices, computers and ancillary equipment, electronic equipment, photographic equipment and stock.
- A £100 policy excess applies to each and every claim.
Exclusions
Any bodily injury, loss or expense arising from:
- Brittle articles
- Damage caused by wear, tear or any gradually operating cause
- Damage caused by any act of dishonesty committed by any employee