| Basic Details | Important Information | Application Form | T & C's |
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IMPORTANT INFORMATION about BE SURE FISHING INSURANCE COVER. Section 1. Public Liability insurance covers you when you have to pay compensation because a client, contractor or member of the public claims over accidental injury or property damage. This may be something that happened at your workplace (e.g. a client slipping on a wet surface) or perhaps something an employee did while out and about, such as spilling coffee over a client's computer. The limit of indemnity applies to any one claim. This means that each individual claim for compensation has its own limit of indemnity. Section 2. Professional indemnity insurance covers you for compensation you have to pay to your clients because of problems with your work. The limit of indemnity includes legal defence costs and any subsequent damages awarded against you. It may also pay for mistakes to be corrected and reimburse you for fees that your client might refuse to pay. The limit of indemnity provides cover for the total of all claims made against your business during the policy period Section 3. [Optional] Employers' liability insurance is compulsory cover for companies with employees. It covers you when you have to pay compensation because an employee claims over accidental injury or illness caused as a result of their work. The £10,000,000 limit of indemnity applies to any one claim. This means that each individual claim for compensation has its own limit of indemnity. The costs of any legal fees are included. Significant Features and Benefits Unusual Exclusions or Limitations Section 1. Public Liability £ 5,000,000 Includes Indemnity to Principal Excludes Fishing from boats at sea (Exclusion PL) Cover is operative when claims occurred. Excludes fishing from Boats longer than 20ft. There is NO age restriction on the Liability cover Excludes first £250 of any claim in respect of Third Party Property Damage Section 2. Professional Indemnity £ 50,000 Indemnity for claims made against you for financial loss following your professional negligence. Cover needs to be in place when the claim is made Policy Excess £500 Cover restricted to normal activities of Coaches, Gillies and Guides involved in angling. Section 3. Employers Liability [Optional] Legal Liability in respect of injury to an employee arising out of employment and associated costs Excludes indemnity in respect of liability for which compulsory motor insurance or security is required under the Road Traffic Act 1988 Includes Indemnity to Principal • Total Premium for 12 Months is £ 52.50 including 5% insurance premium tax
• The Employers Liability cover is charged in addition at £ 26.25 Per Employee.
