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CONTENTS

Introduction 2

Your Policy and Insuring Clause 4

Customer Information 5 – 7

General Definitions and Interpretations 7 – 9

General Exclusions 10 – 12

General Conditions 13 – 20

Policy Sections Available

Section 1 Public Liability 21 – 27

Section 2 Products Liability 28 – 31

Section 3 Employers’ Liability 32 – 35

Section 4 Legal Expenses 36 – 43

How to make a Claim and General Data Protection

Claims Conditions and Notification Procedures 43 – 44

Privacy and Your Personal Information 45

YOUR POLICY AND INSURING CLAUSE

YOUR POLICY

This is your Liability 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

one document.

Please examine this policy carefully to ensure you 

understand its terms and conditions and it provides

the cover you require. Immediate notification should 

be made if you think there are amendments to

be made or new circumstances arise that would affect 

your insurance as stated in General Condition 5

– Duty of Fair Representation.