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Trade and Professional Liability Insurance
Trade and Professional Liability Insurance

TRADES & PROFESSIONS LIABILITY INSURANCE

This document will form the basis of the contract between you and the insurers who will rely on this information in their consideration, assessment and acceptance of the risk fand calculation of premiums. You must ensure that all information provided is accurate and you have not withheld any material facts likely to influence an underwriters assessment or acceptance of this application. Failure to do so could result in this policy being declared void and/or result in any claims being refused.



Statement of fact

Have you, any principals, partners or directors ever . . . .

Do you undertake work at any of the following locations . . . .

Do you undertake, or plan to undertake any work involving . . . .

Material Information Disclosure

You have a duty to disclose, and keep up to date, all information material to this application for insurance. Material facts are facts that influence an insurers assessment of risk and effect their judgement in accepting or refusing risk including setting terms, conditions &/or premiums. Failure to disclose a material fact could allow an insurer to refuse to pay claims & / or void this insurance. If you are in any doubt as to whether a fact is material, we strongly recommend that it be disclosed.

DECLARATION

Please note the following information, dependent and relevant on whether you are a proposed consumer or business insured :

If you are a consumer insured ( i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment ), you have a duty to take reasonable care to answer questions fully and accurately. This duty exists before the cover is placed and throughout the entire duration of the Insurance. If you do not do so, your Insurer may be able to avoid the Policy from inception.

If you are a business consumer ( i.e. not a consumer insured ) you have a duty to disclose all facts that are material to the risk insured, before the cover is placed and throughout the entire duration of the Insurance. A material fact is a fact which may influence the Insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material it should be disclosed, as failure to disclose such a fact may entitle an Insurer to avoid the Policy from inception.

I agree to inform Insurer's of any changes in my circumstances from the date of this application and understand that cover will not commence until the Policy, Certificate or Acceptance Letter has been issued.I declare that the information given is true and complete to the best of my knowledge and belief.

(Mandatory before proceeding)  

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Trade and Professional Liability Insurance
Unoccupied or Renovated Property
Unoccupied or Renovated Property

UNOCCUPIED / PROPERTY DEVELOPER ENQUIRY






Risk Information

Construction Details

Cover Requirments

Proposed Works


Material Information Disclosure

You have a duty to disclose, and keep up to date, all information material to this application for insurance. Material facts are facts that influence an insurers assessment of risk and effect their judgement in accepting or refusing risk including setting terms, conditions &/or premiums. Failure to disclose a material fact could allow an insurer to refuse to pay claims & / or void this insurance. If you are in any doubt as to whether a fact is material, we strongly recommend that it be disclosed.

DECLARATION

Please note the following information, dependent and relevant on whether you are a proposed consumer or business insured :

If you are a consumer insured ( i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment ), you have a duty to take reasonable care to answer questions fully and accurately. This duty exists before the cover is placed and throughout the entire duration of the Insurance. If you do not do so, your Insurer may be able to avoid the Policy from inception.

If you are a business consumer ( i.e. not a consumer insured ) you have a duty to disclose all facts that are material to the risk insured, before the cover is placed and throughout the entire duration of the Insurance. A material fact is a fact which may influence the Insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material it should be disclosed, as failure to disclose such a fact may entitle an Insurer to avoid the Policy from inception.

I agree to inform Insurer's of any changes in my circumstances from the date of this application and understand that cover will not commence until the Policy, Certificate or Acceptance Letter has been issued.I declare that the information given is true and complete to the best of my knowledge and belief.

(Mandatory before proceeding)  

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Unoccupied or Renovated Property
Professional Indemnity
Professional Indemnity

PROFESSIONAL INDEMNITY



1). Please provide the full trading name of all entities to be insured under this arrangement
Entity Name(s) Date Established

2). please provide details of all principals, and senior professional staff
Name Age Qualifications Date Qualified Date of Engagement

3). Please provide your contact details

4). Please provide a full description of your activities including the percentage of business they represent
Activity % Activity %

5). Please provide a breakdown of your turnover / fee income
  Previous Financial year Current Financial Year Estimated Next Financial Year
Work in UK £ £ £
Work in EU £ £ £
Work in USA/Canada £ £ £
Work Elsewhere £ £ £

6). Do you / will you engage the services of a Bona Fide Subcontractors to undertake
work during the next 12 months
Percentage of Work undertaken by BFSC (%)
Payments made to BFSC (£)

7). Please provide details of your 3 largest contracts in the last 5 years
Client Start Date Description of Work Your Fee Est. Completion date

8). Please provide details of your 3 largest contracts in the next 12 months
Client Start Date Description of Work Your Fee Est. Completion date








Material Information Disclosure

You have a duty to disclose, and keep up to date, all information material to this application for insurance. Material facts are facts that influence an insurers assessment of risk and effect their judgement in accepting or refusing risk including setting terms, conditions &/or premiums. Failure to disclose a material fact could allow an insurer to refuse to pay claims & / or void this insurance. If you are in any doubt as to whether a fact is material, we strongly recommend that it be disclosed.

DECLARATION

Please note the following information, dependent and relevant on whether you are a proposed consumer or business insured :

If you are a consumer insured ( i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment ), you have a duty to take reasonable care to answer questions fully and accurately. This duty exists before the cover is placed and throughout the entire duration of the Insurance. If you do not do so, your Insurer may be able to avoid the Policy from inception.

If you are a business consumer ( i.e. not a consumer insured ) you have a duty to disclose all facts that are material to the risk insured, before the cover is placed and throughout the entire duration of the Insurance. A material fact is a fact which may influence the Insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material it should be disclosed, as failure to disclose such a fact may entitle an Insurer to avoid the Policy from inception.

I agree to inform Insurer's of any changes in my circumstances from the date of this application and understand that cover will not commence until the Policy, Certificate or Acceptance Letter has been issued.I declare that the information given is true and complete to the best of my knowledge and belief.

(Mandatory before proceeding)  

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Professional Indemnity
Commercial Insurance
Commercial Insurance

COMMERCIAL PROPERTY








Sum Insured

Limits
  
  

Liabilities

Wageroll

Turnover

Material Information Disclosure

Do you wish to disclose any additional information that you feel may be important to an underwriters assessment of this risk?

DECLARATION

Please note the following information, dependent and relevant on whether you are a proposed consumer or business insured :

If you are a consumer insured ( i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment ), you have a duty to take reasonable care to answer questions fully and accurately. This duty exists before the cover is placed and throughout the entire duration of the Insurance. If you do not do so, your Insurer may be able to avoid the Policy from inception.

If you are a business consumer ( i.e. not a consumer insured ) you have a duty to disclose all facts that are material to the risk insured, before the cover is placed and throughout the entire duration of the Insurance. A material fact is a fact which may influence the Insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material it should be disclosed, as failure to disclose such a fact may entitle an Insurer to avoid the Policy from inception.

I agree to inform Insurer's of any changes in my circumstances from the date of this application and understand that cover will not commence until the Policy, Certificate or Acceptance Letter has been issued.I declare that the information given is true and complete to the best of my knowledge and belief.

(Mandatory before proceeding)  

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Commercial Insurance
Home Insurance
Home Insurance

HOUSEHOLD INSURANCE

About you and your current insurance
 
 
 
Assumptions
Risk Information
Buildings Cover


Walls
Floor
Roof
Contents Cover

(Items permantley within the home only)


(Items in and away from the home in addition to items shown above)
# - Items with an individual value of £1,000 and more must be specified
## - All Guns must be specified regardless of value

Specified Items

Item No. Item Description Value / Sum Insured
We automatically include Family Legal Protection which provides cover for Employment Disputes, Consumer Contract Disputes, Personal Injury, Neighbour Problems, HM Revenue & Customs Investigations & Identity Theft. Also included is access to various helpline services for Legal Advice, Tax Advice, Health & Medical Information, Counselling and Identity Theft.

Material Information Disclosure

You have a duty to disclose, and keep up to date, all information material to this application for insurance. Material facts are facts that influence an insurers assessment of risk and effect their judgement in accepting or refusing risk including setting terms, conditions &/or premiums. Failure to disclose a material fact could allow an insurer to refuse to pay claims & / or void this insurance. If you are in any doubt as to whether a fact is material, we strongly recommend that it be disclosed.

DECLARATION

Please note the following information, dependent and relevant on whether you are a proposed consumer or business insured :

If you are a consumer insured ( i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment ), you have a duty to take reasonable care to answer questions fully and accurately. This duty exists before the cover is placed and throughout the entire duration of the Insurance. If you do not do so, your Insurer may be able to avoid the Policy from inception.

If you are a business consumer ( i.e. not a consumer insured ) you have a duty to disclose all facts that are material to the risk insured, before the cover is placed and throughout the entire duration of the Insurance. A material fact is a fact which may influence the Insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material it should be disclosed, as failure to disclose such a fact may entitle an Insurer to avoid the Policy from inception.

I agree to inform Insurer's of any changes in my circumstances from the date of this application and understand that cover will not commence until the Policy, Certificate or Acceptance Letter has been issued.I declare that the information given is true and complete to the best of my knowledge and belief.

(Mandatory before proceeding)  

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