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CONTENTS

Introduction 2

Your Policy and Insuring Clause 4

Caring for Our Customers 5

General Conditions 6 – 8

Minimum Standards of Security 8

General Exceptions 9 – 10

General Claims Conditions 12

Excess 12

General Definitions

Policy Sections Available

Section 1 Contents 13 – 15

Section 2 Glass 16

Section 3 Loss of Trading Profit 17 – 18

Section 4 Money 19

Section 5 Personal Accident Assault 20 – 21

Section 6 Liability 22 – 25

Section 7 Goods in Transit 26

Section 8 Buildings 27 – 29

Section 9 All Risks 30

Section 10 Deterioration of Frozen Foods 31

Section 11 Failure of Extractor Unit 32

Section 12 Personal Accident/Sickness 35 – 40

Additional Services – Cyberscout 41 – 45

Privacy and Your Personal Information 46

YOUR POLICY AND INSURING CLAUSE

YOUR POLICY

This is your Trader Commercial Combined Policy and confirms 

the insurance cover agreed between You

(the Insured) and Us (the Company).

Your Policy comprises the proposal or similar application 

form when applying for the insurance, this Policy

wording and the Policy Schedule and Endorsements applicable; 

and must be read together as onedocument.