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