Split (1)

train · 21k rows

template_name stringclasses 21 values	content stringlengths 3.84k 47.6k	policy_id stringlengths 7 33 ⌀	policy_id_regex stringclasses 14 values	renewal_date stringlengths 2 28 ⌀	renewal_date_regex stringclasses 12 values	start_date stringlengths 8 28 ⌀	start_date_regex stringclasses 10 values	category stringclasses 11 values	category_regex stringclasses 15 values	date_generated stringclasses 9 values
hiscox-business-2	Hiscox Business Insurance - Policy number - X/Y72PNS-ERE/C8O.58ZU8AA Company name: Williams Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X/Y72PNS-ERE/C8O.58ZU8AA. Company name: Williams Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,466.82. £ 8,466.82. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Roy Watson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/09/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,946.65. £9,946.65. Legal protection. £3,749.67. £3,749.67. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/09/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : X/Y72PNS-ERE/C8O.58ZU8AA Company name: Williams Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X/Y72PNS-ERE/C8O.58ZU8AA Company name: Williams Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,466.82 £ 8,466.82 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,466.82 £ 8,466.82 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Roy Watson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/09/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,946.65 £9,946.65 Legal protection £3,749.67 £3,749.67 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/09/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/09/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,946.65 £9,946.65 Legal protection £3,749.67 £3,749.67 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/09/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,946.65 £3,749.67 £0.00 . This year’s annual Premium (exc IPT) £9,946.65 £3,749.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,946.65 £9,946.65 . Legal protection £3,749.67 £3,749.67 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Roy Watson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 03/12/23 £8,466.82 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: X/Y72PNS-ERE/C8O.58ZU8AA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Williams Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:X/Y72PNS-ERE/C8O.58ZU8AA Name of policy holder:Williams Group Period of insurance: From 08/09/2025 to 30/04/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 03 September, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 08/09/2025 Insurance details Policy number: X/Y72PNS-ERE/C8O.58ZU8AA Period of insurance: From 08/09/2025 to 30/04/19 both days inclusive. This policy isa Continuing cover policy. Insured: Williams Group Address: Studio 91u Jonathan island Tomlinsonport FARNHAM SM4 8YW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £19.50 Insurance Premium Tax (IPT): £9,608.58 Total charged premium: £8,466.82 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £19.50 Insurance Premium Tax (IPT): £9,608.58 Annual total: £8,466.82 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,946.65 Legal protection £100,000 £0 £3,749.67 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08/09/2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Tue 03 September, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	X/Y72PNS-ERE/C8O.58ZU8AA	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	08/09/2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - xxj.qyszr-be_rk/ Company name: Field-Morris It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xxj.qyszr-be_rk/. Company name: Field-Morris. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 754.44. £ 754.44. The premium includes all applicable insurance premium tax (IPT). Dear Mr Louise Perkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 12 January, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,006.56. £5,006.56. Legal protection. £6,053.61. £6,053.61. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Field-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 12 January, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : xxj.qyszr-be_rk/ Company name: Field-Morris . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xxj.qyszr-be_rk/ Company name: Field-Morris . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 754.44 £ 754.44 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 754.44 £ 754.44 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Louise Perkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 12 January, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,006.56 £5,006.56 Legal protection £6,053.61 £6,053.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Field-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 12 January, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 12 January, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,006.56 £5,006.56 Legal protection £6,053.61 £6,053.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Field-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 12 January, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,006.56 £6,053.61 £0.00 . This year’s annual Premium (exc IPT) £5,006.56 £6,053.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,006.56 £5,006.56 . Legal protection £6,053.61 £6,053.61 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Louise Perkins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 11 September, 2020 £754.44 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: xxj.qyszr-be_rk/ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Field-Morris Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:xxj.qyszr-be_rk/ Name of policy holder:Field-Morris Period of insurance: From Tue 12 January, 2021 to 19/01/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/12/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 12 January, 2021 Insurance details Policy number: xxj.qyszr-be_rk/ Period of insurance: From Tue 12 January, 2021 to 19/01/20 both days inclusive. This policy isa Continuing cover policy. Insured: Field-Morris Address: 44 Wall spurs Lake Amberton FARNHAM L3J 8PS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,112.45 Insurance Premium Tax (IPT): £5,281.51 Total charged premium: £754.44 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,112.45 Insurance Premium Tax (IPT): £5,281.51 Annual total: £754.44 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,006.56 Legal protection £100,000 £0 £6,053.61 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tue 12 January, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 18/12/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	xxj.qyszr-be_rk/	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tue 12 January, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - EPVAG-NOWDMZ-HIO.H-TOE. Company name: Chambers, Greenwood and Robinson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EPVAG-NOWDMZ-HIO.H-TOE.. Company name: Chambers, Greenwood and Robinson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,007.60. £ 7,007.60. The premium includes all applicable insurance premium tax (IPT). Dear Dr Damien Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,585.65. £1,585.65. Legal protection. £4,414.78. £4,414.78. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers, Greenwood and Robinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : EPVAG-NOWDMZ-HIO.H-TOE. Company name: Chambers, Greenwood and Robinson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EPVAG-NOWDMZ-HIO.H-TOE. Company name: Chambers, Greenwood and Robinson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,007.60 £ 7,007.60 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,007.60 £ 7,007.60 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Damien Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,585.65 £1,585.65 Legal protection £4,414.78 £4,414.78 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers, Greenwood and Robinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,585.65 £1,585.65 Legal protection £4,414.78 £4,414.78 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers, Greenwood and Robinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,585.65 £4,414.78 £0.00 . This year’s annual Premium (exc IPT) £1,585.65 £4,414.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,585.65 £1,585.65 . Legal protection £4,414.78 £4,414.78 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Damien Jones Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 02 March, 2020 £7,007.60 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: EPVAG-NOWDMZ-HIO.H-TOE. If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Chambers, Greenwood and Robinson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:EPVAG-NOWDMZ-HIO.H-TOE. Name of policy holder:Chambers, Greenwood and Robinson Period of insurance: From 08/04/21 to 22/12/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 17 August, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 08/04/21 Insurance details Policy number: EPVAG-NOWDMZ-HIO.H-TOE. Period of insurance: From 08/04/21 to 22/12/21 both days inclusive. This policy isa Continuing cover policy. Insured: Chambers, Greenwood and Robinson Address: Studio 23 Leanne passage Paulaton FARNHAM LS5E 1LU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,008.71 Insurance Premium Tax (IPT): £5,005.22 Total charged premium: £7,007.60 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,008.71 Insurance Premium Tax (IPT): £5,005.22 Annual total: £7,007.60 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,585.65 Legal protection £100,000 £0 £4,414.78 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08/04/21 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wednesday 17 August, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	EPVAG-NOWDMZ-HIO.H-TOE.	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	08/04/21	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 99CX//NWD73E5./X6LXE9D Company name: Sanders, Singh and Turner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 99CX//NWD73E5./X6LXE9D. Company name: Sanders, Singh and Turner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,254.88. £ 8,254.88. The premium includes all applicable insurance premium tax (IPT). Dear Ms Shaun Johnson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,287.72. £5,287.72. Legal protection. £8,075.61. £8,075.61. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sanders, Singh and Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 99CX//NWD73E5./X6LXE9D Company name: Sanders, Singh and Turner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 99CX//NWD73E5./X6LXE9D Company name: Sanders, Singh and Turner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,254.88 £ 8,254.88 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,254.88 £ 8,254.88 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Shaun Johnson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,287.72 £5,287.72 Legal protection £8,075.61 £8,075.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sanders, Singh and Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,287.72 £5,287.72 Legal protection £8,075.61 £8,075.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sanders, Singh and Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,287.72 £8,075.61 £0.00 . This year’s annual Premium (exc IPT) £5,287.72 £8,075.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,287.72 £5,287.72 . Legal protection £8,075.61 £8,075.61 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Shaun Johnson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 12 February, 2023 £8,254.88 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 99CX//NWD73E5./X6LXE9D If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Sanders, Singh and Turner Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:99CX//NWD73E5./X6LXE9D Name of policy holder:Sanders, Singh and Turner Period of insurance: From 21/11/20 to Thu 12 June, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25 August, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 21/11/20 Insurance details Policy number: 99CX//NWD73E5./X6LXE9D Period of insurance: From 21/11/20 to Thu 12 June, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Sanders, Singh and Turner Address: 48 Watson islands West Jamieport FARNHAM W0 3QB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,088.05 Insurance Premium Tax (IPT): £3,717.68 Total charged premium: £8,254.88 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,088.05 Insurance Premium Tax (IPT): £3,717.68 Annual total: £8,254.88 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,287.72 Legal protection £100,000 £0 £8,075.61 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/11/20 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25 August, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	99CX//NWD73E5./X6LXE9D	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21/11/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 9H-DOZW/DG82LX Company name: Day-Williams It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9H-DOZW/DG82LX. Company name: Day-Williams. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,729.80. £ 3,729.80. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sarah Green. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 18 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,099.48. £9,099.48. Legal protection. £4,845.79. £4,845.79. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Day-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 18 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 9H-DOZW/DG82LX Company name: Day-Williams . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9H-DOZW/DG82LX Company name: Day-Williams . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,729.80 £ 3,729.80 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,729.80 £ 3,729.80 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sarah Green . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 18 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,099.48 £9,099.48 Legal protection £4,845.79 £4,845.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Day-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 18 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 18 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,099.48 £9,099.48 Legal protection £4,845.79 £4,845.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Day-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 18 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,099.48 £4,845.79 £0.00 . This year’s annual Premium (exc IPT) £9,099.48 £4,845.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,099.48 £9,099.48 . Legal protection £4,845.79 £4,845.79 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Sarah Green Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 02/08/2024 £3,729.80 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 9H-DOZW/DG82LX If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Day-Williams Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:9H-DOZW/DG82LX Name of policy holder:Day-Williams Period of insurance: From Friday 18 September, 2020 to Thu 28 August, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03 December, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Friday 18 September, 2020 Insurance details Policy number: 9H-DOZW/DG82LX Period of insurance: From Friday 18 September, 2020 to Thu 28 August, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Day-Williams Address: Flat 22 Hurst mountains Kimberleytown FARNHAM B48 9PG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,909.06 Insurance Premium Tax (IPT): £3,953.18 Total charged premium: £3,729.80 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,909.06 Insurance Premium Tax (IPT): £3,953.18 Annual total: £3,729.80 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,099.48 Legal protection £100,000 £0 £4,845.79 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 18 September, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 03 December, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	9H-DOZW/DG82LX	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Friday 18 September, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - edrv.nuinle Company name: Watson-Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : edrv.nuinle. Company name: Watson-Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,987.59. £ 1,987.59. The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Alison Clark. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 05 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,985.24. £2,985.24. Legal protection. £6,723.07. £6,723.07. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson-Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 05 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : edrv.nuinle Company name: Watson-Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : edrv.nuinle Company name: Watson-Jones . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,987.59 £ 1,987.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,987.59 £ 1,987.59 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Alison Clark . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 05 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,985.24 £2,985.24 Legal protection £6,723.07 £6,723.07 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson-Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 05 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 05 September, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,985.24 £2,985.24 Legal protection £6,723.07 £6,723.07 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson-Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 05 September, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,985.24 £6,723.07 £0.00 . This year’s annual Premium (exc IPT) £2,985.24 £6,723.07 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,985.24 £2,985.24 . Legal protection £6,723.07 £6,723.07 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Alison Clark Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-09-24 £1,987.59 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: edrv.nuinle If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Watson-Jones Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:edrv.nuinle Name of policy holder:Watson-Jones Period of insurance: From Sat 05 September, 2020 to 13/09/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 03 March, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 05 September, 2020 Insurance details Policy number: edrv.nuinle Period of insurance: From Sat 05 September, 2020 to 13/09/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Watson-Jones Address: 0 Vanessa islands South Olivia FARNHAM N23 1SY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,885.69 Insurance Premium Tax (IPT): £8,320.43 Total charged premium: £1,987.59 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,885.69 Insurance Premium Tax (IPT): £8,320.43 Annual total: £1,987.59 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,985.24 Legal protection £100,000 £0 £6,723.07 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 05 September, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wednesday 03 March, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	edrv.nuinle	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 05 September, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - VTDBCBONJUYWBUZI Company name: Rhodes and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VTDBCBONJUYWBUZI. Company name: Rhodes and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,122.74. £ 4,122.74. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ashleigh Fox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/05/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,092.70. £9,092.70. Legal protection. £6,987.43. £6,987.43. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rhodes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/05/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : VTDBCBONJUYWBUZI Company name: Rhodes and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VTDBCBONJUYWBUZI Company name: Rhodes and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,122.74 £ 4,122.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,122.74 £ 4,122.74 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ashleigh Fox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/05/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,092.70 £9,092.70 Legal protection £6,987.43 £6,987.43 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rhodes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/05/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/05/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,092.70 £9,092.70 Legal protection £6,987.43 £6,987.43 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rhodes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/05/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,092.70 £6,987.43 £0.00 . This year’s annual Premium (exc IPT) £9,092.70 £6,987.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,092.70 £9,092.70 . Legal protection £6,987.43 £6,987.43 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ashleigh Fox Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Saturday 19 December, 2020 £4,122.74 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: VTDBCBONJUYWBUZI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rhodes and Sons Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:VTDBCBONJUYWBUZI Name of policy holder:Rhodes and Sons Period of insurance: From 06/05/20 to 19 September, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 25 November, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 06/05/20 Insurance details Policy number: VTDBCBONJUYWBUZI Period of insurance: From 06/05/20 to 19 September, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Rhodes and Sons Address: 51 Shaw shore East Katherine FARNHAM HP5B 8JT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £777.71 Insurance Premium Tax (IPT): £9,562.27 Total charged premium: £4,122.74 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £777.71 Insurance Premium Tax (IPT): £9,562.27 Annual total: £4,122.74 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,092.70 Legal protection £100,000 £0 £6,987.43 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 06/05/20 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Saturday 25 November, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	VTDBCBONJUYWBUZI	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	06/05/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - i.qz_hta Company name: Page and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : i.qz_hta. Company name: Page and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,518.64. £ 1,518.64. The premium includes all applicable insurance premium tax (IPT). Dear Dr Alexandra Gill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,173.49. £6,173.49. Legal protection. £1,106.90. £1,106.90. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Page and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : i.qz_hta Company name: Page and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : i.qz_hta Company name: Page and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,518.64 £ 1,518.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,518.64 £ 1,518.64 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Alexandra Gill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,173.49 £6,173.49 Legal protection £1,106.90 £1,106.90 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Page and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,173.49 £6,173.49 Legal protection £1,106.90 £1,106.90 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Page and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,173.49 £1,106.90 £0.00 . This year’s annual Premium (exc IPT) £6,173.49 £1,106.90 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,173.49 £6,173.49 . Legal protection £1,106.90 £1,106.90 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Alexandra Gill Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14 November, 2022 £1,518.64 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: i.qz_hta If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Page and Sons Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:i.qz_hta Name of policy holder:Page and Sons Period of insurance: From 2022-09-25 to 08 March, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 29 July, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2022-09-25 Insurance details Policy number: i.qz_hta Period of insurance: From 2022-09-25 to 08 March, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Page and Sons Address: Studio 90S Smith flats South James FARNHAM W4 6YL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,373.50 Insurance Premium Tax (IPT): £8,666.40 Total charged premium: £1,518.64 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,373.50 Insurance Premium Tax (IPT): £8,666.40 Annual total: £1,518.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,173.49 Legal protection £100,000 £0 £1,106.90 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2022-09-25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Friday 29 July, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	i.qz_hta	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2022-09-25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 5MEADHL/RU7H Company name: Williams LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5MEADHL/RU7H. Company name: Williams LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,118.46. £ 5,118.46. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Adrian Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 09 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,193.21. £3,193.21. Legal protection. £1,842.37. £1,842.37. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 09 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5MEADHL/RU7H Company name: Williams LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5MEADHL/RU7H Company name: Williams LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,118.46 £ 5,118.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,118.46 £ 5,118.46 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Adrian Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 09 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,193.21 £3,193.21 Legal protection £1,842.37 £1,842.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 09 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 09 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,193.21 £3,193.21 Legal protection £1,842.37 £1,842.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 09 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,193.21 £1,842.37 £0.00 . This year’s annual Premium (exc IPT) £3,193.21 £1,842.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,193.21 £3,193.21 . Legal protection £1,842.37 £1,842.37 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Adrian Davies Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 11 May, 2025 £5,118.46 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5MEADHL/RU7H If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Williams LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5MEADHL/RU7H Name of policy holder:Williams LLC Period of insurance: From Monday 09 December, 2024 to 24/11/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 04 June, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 09 December, 2024 Insurance details Policy number: 5MEADHL/RU7H Period of insurance: From Monday 09 December, 2024 to 24/11/19 both days inclusive. This policy isa Continuing cover policy. Insured: Williams LLC Address: Flat 17 Valerie springs New Jane FARNHAM B5C 0UZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,571.65 Insurance Premium Tax (IPT): £8,926.30 Total charged premium: £5,118.46 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,571.65 Insurance Premium Tax (IPT): £8,926.30 Annual total: £5,118.46 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,193.21 Legal protection £100,000 £0 £1,842.37 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 09 December, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Friday 04 June, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5MEADHL/RU7H	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 09 December, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 2S74HH4 Company name: Miller, Dixon and Thomas It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2S74HH4. Company name: Miller, Dixon and Thomas. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,756.08. £ 8,756.08. The premium includes all applicable insurance premium tax (IPT). Dear Mr Natalie Johnson-Holmes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,074.70. £9,074.70. Legal protection. £7,988.54. £7,988.54. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Dixon and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 2S74HH4 Company name: Miller, Dixon and Thomas . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2S74HH4 Company name: Miller, Dixon and Thomas . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,756.08 £ 8,756.08 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,756.08 £ 8,756.08 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Natalie Johnson-Holmes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,074.70 £9,074.70 Legal protection £7,988.54 £7,988.54 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Dixon and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,074.70 £9,074.70 Legal protection £7,988.54 £7,988.54 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Dixon and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,074.70 £7,988.54 £0.00 . This year’s annual Premium (exc IPT) £9,074.70 £7,988.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,074.70 £9,074.70 . Legal protection £7,988.54 £7,988.54 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Natalie Johnson-Holmes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tuesday 13 May, 2025 £8,756.08 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 2S74HH4 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Miller, Dixon and Thomas Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:2S74HH4 Name of policy holder:Miller, Dixon and Thomas Period of insurance: From 2025-11-07 to 17 November, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 04 February, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-11-07 Insurance details Policy number: 2S74HH4 Period of insurance: From 2025-11-07 to 17 November, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Miller, Dixon and Thomas Address: Flat 54 Iain vista Port Nigel FARNHAM GU55 0ZW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,071.18 Insurance Premium Tax (IPT): £7,294.97 Total charged premium: £8,756.08 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,071.18 Insurance Premium Tax (IPT): £7,294.97 Annual total: £8,756.08 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,074.70 Legal protection £100,000 £0 £7,988.54 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-11-07 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 04 February, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	2S74HH4	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-11-07	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - mphjhzgpicj Company name: Thompson, Thompson and Patel It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mphjhzgpicj. Company name: Thompson, Thompson and Patel. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,934.96. £ 7,934.96. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Dale Collins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,595.54. £5,595.54. Legal protection. £9,500.84. £9,500.84. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thompson, Thompson and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : mphjhzgpicj Company name: Thompson, Thompson and Patel . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mphjhzgpicj Company name: Thompson, Thompson and Patel . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,934.96 £ 7,934.96 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,934.96 £ 7,934.96 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Dale Collins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,595.54 £5,595.54 Legal protection £9,500.84 £9,500.84 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thompson, Thompson and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,595.54 £5,595.54 Legal protection £9,500.84 £9,500.84 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thompson, Thompson and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,595.54 £9,500.84 £0.00 . This year’s annual Premium (exc IPT) £5,595.54 £9,500.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,595.54 £5,595.54 . Legal protection £9,500.84 £9,500.84 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Dale Collins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-09-10 £7,934.96 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: mphjhzgpicj If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Thompson, Thompson and Patel Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:mphjhzgpicj Name of policy holder:Thompson, Thompson and Patel Period of insurance: From 2024-10-15 to 27/03/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/11/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-10-15 Insurance details Policy number: mphjhzgpicj Period of insurance: From 2024-10-15 to 27/03/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Thompson, Thompson and Patel Address: 967 Lisa gateway Port Melanieborough FARNHAM N4 9HJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,970.61 Insurance Premium Tax (IPT): £5,317.36 Total charged premium: £7,934.96 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,970.61 Insurance Premium Tax (IPT): £5,317.36 Annual total: £7,934.96 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,595.54 Legal protection £100,000 £0 £9,500.84 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-10-15 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 02/11/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	mphjhzgpicj	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-10-15	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - RPHBGC5QJ83J/9/53E8_LKW Company name: Williamson PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RPHBGC5QJ83J/9/53E8_LKW. Company name: Williamson PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,052.41. £ 5,052.41. The premium includes all applicable insurance premium tax (IPT). Dear Miss Allan Bailey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,378.76. £8,378.76. Legal protection. £4,231.13. £4,231.13. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : RPHBGC5QJ83J/9/53E8_LKW Company name: Williamson PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RPHBGC5QJ83J/9/53E8_LKW Company name: Williamson PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,052.41 £ 5,052.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,052.41 £ 5,052.41 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Allan Bailey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,378.76 £8,378.76 Legal protection £4,231.13 £4,231.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,378.76 £8,378.76 Legal protection £4,231.13 £4,231.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,378.76 £4,231.13 £0.00 . This year’s annual Premium (exc IPT) £8,378.76 £4,231.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,378.76 £8,378.76 . Legal protection £4,231.13 £4,231.13 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Allan Bailey Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sat 02 November, 2019 £5,052.41 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: RPHBGC5QJ83J/9/53E8_LKW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Williamson PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:RPHBGC5QJ83J/9/53E8_LKW Name of policy holder:Williamson PLC Period of insurance: From Sunday 12 February, 2023 to Fri 18 July, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14/09/2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 12 February, 2023 Insurance details Policy number: RPHBGC5QJ83J/9/53E8_LKW Period of insurance: From Sunday 12 February, 2023 to Fri 18 July, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Williamson PLC Address: Studio 27e Berry overpass Griffithschester FARNHAM L5B 6TE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,084.75 Insurance Premium Tax (IPT): £9,374.71 Total charged premium: £5,052.41 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,084.75 Insurance Premium Tax (IPT): £9,374.71 Annual total: £5,052.41 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,378.76 Legal protection £100,000 £0 £4,231.13 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 12 February, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 14/09/2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	RPHBGC5QJ83J/9/53E8_LKW	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sunday 12 February, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - RDMZ/A.J.MN Company name: Webb-Watson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RDMZ/A.J.MN. Company name: Webb-Watson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,789.56. £ 4,789.56. The premium includes all applicable insurance premium tax (IPT). Dear Mr Valerie Payne-Clark. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,159.51. £9,159.51. Legal protection. £4,014.01. £4,014.01. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webb-Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : RDMZ/A.J.MN Company name: Webb-Watson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RDMZ/A.J.MN Company name: Webb-Watson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,789.56 £ 4,789.56 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,789.56 £ 4,789.56 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Valerie Payne-Clark . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,159.51 £9,159.51 Legal protection £4,014.01 £4,014.01 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webb-Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,159.51 £9,159.51 Legal protection £4,014.01 £4,014.01 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webb-Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,159.51 £4,014.01 £0.00 . This year’s annual Premium (exc IPT) £9,159.51 £4,014.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,159.51 £9,159.51 . Legal protection £4,014.01 £4,014.01 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Valerie Payne-Clark Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 10 November, 2022 £4,789.56 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: RDMZ/A.J.MN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Webb-Watson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:RDMZ/A.J.MN Name of policy holder:Webb-Watson Period of insurance: From 18 November, 2022 to 2019-03-18 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21/08/19 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18 November, 2022 Insurance details Policy number: RDMZ/A.J.MN Period of insurance: From 18 November, 2022 to 2019-03-18 both days inclusive. This policy isa Continuing cover policy. Insured: Webb-Watson Address: Flat 78 Lawson mountain Lake Bethany FARNHAM L8 6SU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,077.70 Insurance Premium Tax (IPT): £3,498.41 Total charged premium: £4,789.56 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,077.70 Insurance Premium Tax (IPT): £3,498.41 Annual total: £4,789.56 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,159.51 Legal protection £100,000 £0 £4,014.01 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18 November, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 21/08/19 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	RDMZ/A.J.MN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18 November, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - RLQC_-G2EVR Company name: Sharp, Hart and Kennedy It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RLQC_-G2EVR. Company name: Sharp, Hart and Kennedy. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,266.42. £ 9,266.42. The premium includes all applicable insurance premium tax (IPT). Dear Dr Vanessa Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £317.87. £317.87. Legal protection. £5,824.45. £5,824.45. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp, Hart and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : RLQC_-G2EVR Company name: Sharp, Hart and Kennedy . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RLQC_-G2EVR Company name: Sharp, Hart and Kennedy . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,266.42 £ 9,266.42 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,266.42 £ 9,266.42 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Vanessa Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £317.87 £317.87 Legal protection £5,824.45 £5,824.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp, Hart and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £317.87 £317.87 Legal protection £5,824.45 £5,824.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp, Hart and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £317.87 £5,824.45 £0.00 . This year’s annual Premium (exc IPT) £317.87 £5,824.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £317.87 £317.87 . Legal protection £5,824.45 £5,824.45 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Vanessa Davies Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25 October, 2022 £9,266.42 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: RLQC_-G2EVR If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Sharp, Hart and Kennedy Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:RLQC_-G2EVR Name of policy holder:Sharp, Hart and Kennedy Period of insurance: From Monday 26 September, 2022 to 29 January, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27 May, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 26 September, 2022 Insurance details Policy number: RLQC_-G2EVR Period of insurance: From Monday 26 September, 2022 to 29 January, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Sharp, Hart and Kennedy Address: Flat 70C Davies throughway Heatherborough FARNHAM CA5 8TP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,664.63 Insurance Premium Tax (IPT): £9,692.47 Total charged premium: £9,266.42 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,664.63 Insurance Premium Tax (IPT): £9,692.47 Annual total: £9,266.42 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £317.87 Legal protection £100,000 £0 £5,824.45 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 26 September, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 27 May, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	RLQC_-G2EVR	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 26 September, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - ypdj/zwdhoaytljh Company name: Wood Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ypdj/zwdhoaytljh. Company name: Wood Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,455.90. £ 4,455.90. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mr Damien Allen. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 October, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,610.90. £1,610.90. Legal protection. £9,594.49. £9,594.49. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 October, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ypdj/zwdhoaytljh Company name: Wood Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ypdj/zwdhoaytljh Company name: Wood Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,455.90 £ 4,455.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,455.90 £ 4,455.90 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mr Damien Allen . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 October, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,610.90 £1,610.90 Legal protection £9,594.49 £9,594.49 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 October, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 October, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,610.90 £1,610.90 Legal protection £9,594.49 £9,594.49 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 October, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,610.90 £9,594.49 £0.00 . This year’s annual Premium (exc IPT) £1,610.90 £9,594.49 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,610.90 £1,610.90 . Legal protection £9,594.49 £9,594.49 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Damien Allen Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tue 01 April, 2025 £4,455.90 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ypdj/zwdhoaytljh If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wood Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ypdj/zwdhoaytljh Name of policy holder:Wood Inc Period of insurance: From Sunday 15 October, 2023 to 2020-07-18 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16/06/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 15 October, 2023 Insurance details Policy number: ypdj/zwdhoaytljh Period of insurance: From Sunday 15 October, 2023 to 2020-07-18 both days inclusive. This policy isa Continuing cover policy. Insured: Wood Inc Address: 004 Brooks springs Howellstown FARNHAM HR6N 1LR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,484.43 Insurance Premium Tax (IPT): £1,332.55 Total charged premium: £4,455.90 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,484.43 Insurance Premium Tax (IPT): £1,332.55 Annual total: £4,455.90 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,610.90 Legal protection £100,000 £0 £9,594.49 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 15 October, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 16/06/23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	ypdj/zwdhoaytljh	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sunday 15 October, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - F.SDOS/IO.RIKODUWIW Company name: Bibi LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F.SDOS/IO.RIKODUWIW. Company name: Bibi LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,858.16. £ 1,858.16. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mrs Jacqueline Lee. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/09/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,632.48. £1,632.48. Legal protection. £1,879.05. £1,879.05. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bibi LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/09/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : F.SDOS/IO.RIKODUWIW Company name: Bibi LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F.SDOS/IO.RIKODUWIW Company name: Bibi LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,858.16 £ 1,858.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,858.16 £ 1,858.16 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mrs Jacqueline Lee . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/09/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,632.48 £1,632.48 Legal protection £1,879.05 £1,879.05 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bibi LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/09/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/09/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,632.48 £1,632.48 Legal protection £1,879.05 £1,879.05 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bibi LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/09/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,632.48 £1,879.05 £0.00 . This year’s annual Premium (exc IPT) £1,632.48 £1,879.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,632.48 £1,632.48 . Legal protection £1,879.05 £1,879.05 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Jacqueline Lee Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 11 July, 2025 £1,858.16 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: F.SDOS/IO.RIKODUWIW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bibi LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:F.SDOS/IO.RIKODUWIW Name of policy holder:Bibi LLC Period of insurance: From 11/09/22 to Sun 13 October, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-10-19 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 11/09/22 Insurance details Policy number: F.SDOS/IO.RIKODUWIW Period of insurance: From 11/09/22 to Sun 13 October, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Bibi LLC Address: 22 Oliver inlet Morganfurt FARNHAM BB8W 8DG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £446.39 Insurance Premium Tax (IPT): £1,894.64 Total charged premium: £1,858.16 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £446.39 Insurance Premium Tax (IPT): £1,894.64 Annual total: £1,858.16 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,632.48 Legal protection £100,000 £0 £1,879.05 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 11/09/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-10-19 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	F.SDOS/IO.RIKODUWIW	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	11/09/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - lvtpqjvfw Company name: Wilkinson LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : lvtpqjvfw. Company name: Wilkinson LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,359.38. £ 2,359.38. The premium includes all applicable insurance premium tax (IPT). Dear Dr Jane Newman-Connolly. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 05 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,225.95. £9,225.95. Legal protection. £6,423.42. £6,423.42. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 05 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : lvtpqjvfw Company name: Wilkinson LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : lvtpqjvfw Company name: Wilkinson LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,359.38 £ 2,359.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,359.38 £ 2,359.38 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Jane Newman-Connolly . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 05 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,225.95 £9,225.95 Legal protection £6,423.42 £6,423.42 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 05 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 05 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,225.95 £9,225.95 Legal protection £6,423.42 £6,423.42 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 05 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,225.95 £6,423.42 £0.00 . This year’s annual Premium (exc IPT) £9,225.95 £6,423.42 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,225.95 £9,225.95 . Legal protection £6,423.42 £6,423.42 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jane Newman-Connolly Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Saturday 15 August, 2020 £2,359.38 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: lvtpqjvfw If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wilkinson LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:lvtpqjvfw Name of policy holder:Wilkinson LLC Period of insurance: From Saturday 05 June, 2021 to 26/11/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05 August, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Saturday 05 June, 2021 Insurance details Policy number: lvtpqjvfw Period of insurance: From Saturday 05 June, 2021 to 26/11/21 both days inclusive. This policy isa Continuing cover policy. Insured: Wilkinson LLC Address: Flat 2 Mandy passage Woodborough FARNHAM M5H 3XF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,117.69 Insurance Premium Tax (IPT): £6,326.20 Total charged premium: £2,359.38 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,117.69 Insurance Premium Tax (IPT): £6,326.20 Annual total: £2,359.38 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,225.95 Legal protection £100,000 £0 £6,423.42 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Saturday 05 June, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 05 August, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	lvtpqjvfw	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 05 June, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - ep_qbnlftasq_g Company name: Hall Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ep_qbnlftasq_g. Company name: Hall Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,394.87. £ 7,394.87. The premium includes all applicable insurance premium tax (IPT). Dear Miss Toby Fisher. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,674.79. £8,674.79. Legal protection. £7,215.65. £7,215.65. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ep_qbnlftasq_g Company name: Hall Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ep_qbnlftasq_g Company name: Hall Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,394.87 £ 7,394.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,394.87 £ 7,394.87 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Toby Fisher . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,674.79 £8,674.79 Legal protection £7,215.65 £7,215.65 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,674.79 £8,674.79 Legal protection £7,215.65 £7,215.65 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,674.79 £7,215.65 £0.00 . This year’s annual Premium (exc IPT) £8,674.79 £7,215.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,674.79 £8,674.79 . Legal protection £7,215.65 £7,215.65 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Toby Fisher Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 17 October, 2022 £7,394.87 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ep_qbnlftasq_g If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hall Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ep_qbnlftasq_g Name of policy holder:Hall Inc Period of insurance: From 30 December, 2022 to 30/09/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/02/19 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 30 December, 2022 Insurance details Policy number: ep_qbnlftasq_g Period of insurance: From 30 December, 2022 to 30/09/22 both days inclusive. This policy isa Continuing cover policy. Insured: Hall Inc Address: Studio 36 Louise junction New Mathewshire FARNHAM E9 0DU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,695.86 Insurance Premium Tax (IPT): £6,750.43 Total charged premium: £7,394.87 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,695.86 Insurance Premium Tax (IPT): £6,750.43 Annual total: £7,394.87 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,674.79 Legal protection £100,000 £0 £7,215.65 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 30 December, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 23/02/19 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	ep_qbnlftasq_g	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	30 December, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 6WHEZ7NORFX58KS7 Company name: Turner-Jarvis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6WHEZ7NORFX58KS7. Company name: Turner-Jarvis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,184.23. £ 9,184.23. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dawn Evans. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,402.19. £1,402.19. Legal protection. £9,402.91. £9,402.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner-Jarvis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6WHEZ7NORFX58KS7 Company name: Turner-Jarvis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6WHEZ7NORFX58KS7 Company name: Turner-Jarvis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,184.23 £ 9,184.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,184.23 £ 9,184.23 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dawn Evans . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,402.19 £1,402.19 Legal protection £9,402.91 £9,402.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner-Jarvis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,402.19 £1,402.19 Legal protection £9,402.91 £9,402.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner-Jarvis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,402.19 £9,402.91 £0.00 . This year’s annual Premium (exc IPT) £1,402.19 £9,402.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,402.19 £1,402.19 . Legal protection £9,402.91 £9,402.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dawn Evans Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23 August, 2020 £9,184.23 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6WHEZ7NORFX58KS7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Turner-Jarvis Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6WHEZ7NORFX58KS7 Name of policy holder:Turner-Jarvis Period of insurance: From Monday 08 April, 2024 to 05 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30/01/2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 08 April, 2024 Insurance details Policy number: 6WHEZ7NORFX58KS7 Period of insurance: From Monday 08 April, 2024 to 05 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Turner-Jarvis Address: 3 Lewis junctions Neilland FARNHAM CH1 3XF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,087.04 Insurance Premium Tax (IPT): £3,930.95 Total charged premium: £9,184.23 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,087.04 Insurance Premium Tax (IPT): £3,930.95 Annual total: £9,184.23 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,402.19 Legal protection £100,000 £0 £9,402.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 08 April, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 30/01/2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6WHEZ7NORFX58KS7	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 08 April, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 5UW3OP84FSTHNHY3R-X/V3/K9 Company name: Morley-Turner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5UW3OP84FSTHNHY3R-X/V3/K9. Company name: Morley-Turner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,955.74. £ 3,955.74. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Harry Cooper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 24 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,626.53. £5,626.53. Legal protection. £2,088.81. £2,088.81. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 24 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5UW3OP84FSTHNHY3R-X/V3/K9 Company name: Morley-Turner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5UW3OP84FSTHNHY3R-X/V3/K9 Company name: Morley-Turner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,955.74 £ 3,955.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,955.74 £ 3,955.74 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Harry Cooper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 24 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,626.53 £5,626.53 Legal protection £2,088.81 £2,088.81 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 24 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 24 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,626.53 £5,626.53 Legal protection £2,088.81 £2,088.81 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Turner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 24 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,626.53 £2,088.81 £0.00 . This year’s annual Premium (exc IPT) £5,626.53 £2,088.81 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,626.53 £5,626.53 . Legal protection £2,088.81 £2,088.81 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Harry Cooper Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 31/05/2021 £3,955.74 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5UW3OP84FSTHNHY3R-X/V3/K9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morley-Turner Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5UW3OP84FSTHNHY3R-X/V3/K9 Name of policy holder:Morley-Turner Period of insurance: From Sat 24 August, 2024 to 18/07/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/04/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 24 August, 2024 Insurance details Policy number: 5UW3OP84FSTHNHY3R-X/V3/K9 Period of insurance: From Sat 24 August, 2024 to 18/07/22 both days inclusive. This policy isa Continuing cover policy. Insured: Morley-Turner Address: 421 Barton flats East Dale FARNHAM S9T 4HX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,469.29 Insurance Premium Tax (IPT): £618.93 Total charged premium: £3,955.74 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,469.29 Insurance Premium Tax (IPT): £618.93 Annual total: £3,955.74 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,626.53 Legal protection £100,000 £0 £2,088.81 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 24 August, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/04/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5UW3OP84FSTHNHY3R-X/V3/K9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 24 August, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 9JZQ/SLG.AW7CLN Company name: Lord-Brown It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9JZQ/SLG.AW7CLN. Company name: Lord-Brown. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,385.37. £ 9,385.37. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Guy Bates. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,194.36. £7,194.36. Legal protection. £1,150.78. £1,150.78. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lord-Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 9JZQ/SLG.AW7CLN Company name: Lord-Brown . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9JZQ/SLG.AW7CLN Company name: Lord-Brown . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,385.37 £ 9,385.37 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,385.37 £ 9,385.37 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Guy Bates . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,194.36 £7,194.36 Legal protection £1,150.78 £1,150.78 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lord-Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/11/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,194.36 £7,194.36 Legal protection £1,150.78 £1,150.78 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lord-Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,194.36 £1,150.78 £0.00 . This year’s annual Premium (exc IPT) £7,194.36 £1,150.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,194.36 £7,194.36 . Legal protection £1,150.78 £1,150.78 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Guy Bates Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tuesday 01 October, 2019 £9,385.37 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 9JZQ/SLG.AW7CLN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lord-Brown Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:9JZQ/SLG.AW7CLN Name of policy holder:Lord-Brown Period of insurance: From 24/11/20 to 04/04/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/01/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 24/11/20 Insurance details Policy number: 9JZQ/SLG.AW7CLN Period of insurance: From 24/11/20 to 04/04/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Lord-Brown Address: 47 Neil islands Mariaton FARNHAM B7K 2TE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,071.19 Insurance Premium Tax (IPT): £3,624.80 Total charged premium: £9,385.37 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,071.19 Insurance Premium Tax (IPT): £3,624.80 Annual total: £9,385.37 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,194.36 Legal protection £100,000 £0 £1,150.78 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 24/11/20 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 04/01/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	9JZQ/SLG.AW7CLN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	24/11/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - mkl/yqmsgiwomx Company name: Cook-Oliver It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mkl/yqmsgiwomx. Company name: Cook-Oliver. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 829.46. £ 829.46. The premium includes all applicable insurance premium tax (IPT). Dear Ms Melissa Yates. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 24 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,010.90. £2,010.90. Legal protection. £3,486.77. £3,486.77. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 24 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : mkl/yqmsgiwomx Company name: Cook-Oliver . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mkl/yqmsgiwomx Company name: Cook-Oliver . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 829.46 £ 829.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 829.46 £ 829.46 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Melissa Yates . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 24 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,010.90 £2,010.90 Legal protection £3,486.77 £3,486.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 24 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 24 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,010.90 £2,010.90 Legal protection £3,486.77 £3,486.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 24 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,010.90 £3,486.77 £0.00 . This year’s annual Premium (exc IPT) £2,010.90 £3,486.77 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,010.90 £2,010.90 . Legal protection £3,486.77 £3,486.77 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Melissa Yates Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 17 September, 2022 £829.46 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: mkl/yqmsgiwomx If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cook-Oliver Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:mkl/yqmsgiwomx Name of policy holder:Cook-Oliver Period of insurance: From Saturday 24 February, 2024 to Wed 10 July, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 14 October, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Saturday 24 February, 2024 Insurance details Policy number: mkl/yqmsgiwomx Period of insurance: From Saturday 24 February, 2024 to Wed 10 July, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Cook-Oliver Address: Flat 9 Maria islands Woodberg FARNHAM SN2 9ZJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,884.34 Insurance Premium Tax (IPT): £8,062.76 Total charged premium: £829.46 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,884.34 Insurance Premium Tax (IPT): £8,062.76 Annual total: £829.46 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,010.90 Legal protection £100,000 £0 £3,486.77 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Saturday 24 February, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Tuesday 14 October, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	mkl/yqmsgiwomx	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 24 February, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 9RDY.8PXV6LFNTJ Company name: King PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RDY.8PXV6LFNTJ. Company name: King PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,725.73. £ 6,725.73. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Lesley Nelson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,838.00. £5,838.00. Legal protection. £5,156.49. £5,156.49. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 9RDY.8PXV6LFNTJ Company name: King PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RDY.8PXV6LFNTJ Company name: King PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,725.73 £ 6,725.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,725.73 £ 6,725.73 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Lesley Nelson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,838.00 £5,838.00 Legal protection £5,156.49 £5,156.49 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,838.00 £5,838.00 Legal protection £5,156.49 £5,156.49 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,838.00 £5,156.49 £0.00 . This year’s annual Premium (exc IPT) £5,838.00 £5,156.49 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,838.00 £5,838.00 . Legal protection £5,156.49 £5,156.49 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Lesley Nelson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/02/2020 £6,725.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 9RDY.8PXV6LFNTJ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance King PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:9RDY.8PXV6LFNTJ Name of policy holder:King PLC Period of insurance: From 19/08/2024 to Monday 09 October, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 15 December, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 19/08/2024 Insurance details Policy number: 9RDY.8PXV6LFNTJ Period of insurance: From 19/08/2024 to Monday 09 October, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: King PLC Address: Flat 80 Gareth villages Port Hayley FARNHAM GU7R 6YP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,321.57 Insurance Premium Tax (IPT): £5,078.31 Total charged premium: £6,725.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,321.57 Insurance Premium Tax (IPT): £5,078.31 Annual total: £6,725.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,838.00 Legal protection £100,000 £0 £5,156.49 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 19/08/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 15 December, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	9RDY.8PXV6LFNTJ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	19/08/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - PPJPD/UZY-HBC/_WJI Company name: Robertson, Morris and Khan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PPJPD/UZY-HBC/_WJI. Company name: Robertson, Morris and Khan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,160.71. £ 5,160.71. The premium includes all applicable insurance premium tax (IPT). Dear Mr Albert Hall. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/07/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,067.03. £4,067.03. Legal protection. £7,683.60. £7,683.60. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robertson, Morris and Khan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/07/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : PPJPD/UZY-HBC/_WJI Company name: Robertson, Morris and Khan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PPJPD/UZY-HBC/_WJI Company name: Robertson, Morris and Khan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,160.71 £ 5,160.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,160.71 £ 5,160.71 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Albert Hall . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/07/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,067.03 £4,067.03 Legal protection £7,683.60 £7,683.60 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robertson, Morris and Khan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/07/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/07/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,067.03 £4,067.03 Legal protection £7,683.60 £7,683.60 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robertson, Morris and Khan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/07/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,067.03 £7,683.60 £0.00 . This year’s annual Premium (exc IPT) £4,067.03 £7,683.60 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,067.03 £4,067.03 . Legal protection £7,683.60 £7,683.60 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Albert Hall Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 21 April, 2025 £5,160.71 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: PPJPD/UZY-HBC/_WJI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Robertson, Morris and Khan Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:PPJPD/UZY-HBC/_WJI Name of policy holder:Robertson, Morris and Khan Period of insurance: From 20/07/25 to 05 January, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 26 July, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 20/07/25 Insurance details Policy number: PPJPD/UZY-HBC/_WJI Period of insurance: From 20/07/25 to 05 January, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Robertson, Morris and Khan Address: Flat 08J Jones courts Helenchester FARNHAM E52 7SS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,062.41 Insurance Premium Tax (IPT): £7,332.75 Total charged premium: £5,160.71 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,062.41 Insurance Premium Tax (IPT): £7,332.75 Annual total: £5,160.71 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,067.03 Legal protection £100,000 £0 £7,683.60 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 20/07/25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Friday 26 July, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	PPJPD/UZY-HBC/_WJI	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	20/07/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - J/PI.XRCMWNMDITDKD Company name: Crawford Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J/PI.XRCMWNMDITDKD. Company name: Crawford Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,138.79. £ 9,138.79. The premium includes all applicable insurance premium tax (IPT). Dear Mr Katie Hunter-Gill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 28 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,124.10. £6,124.10. Legal protection. £3,035.33. £3,035.33. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Crawford Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 28 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : J/PI.XRCMWNMDITDKD Company name: Crawford Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J/PI.XRCMWNMDITDKD Company name: Crawford Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,138.79 £ 9,138.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,138.79 £ 9,138.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Katie Hunter-Gill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 28 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,124.10 £6,124.10 Legal protection £3,035.33 £3,035.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Crawford Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 28 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 28 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,124.10 £6,124.10 Legal protection £3,035.33 £3,035.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Crawford Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 28 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,124.10 £3,035.33 £0.00 . This year’s annual Premium (exc IPT) £6,124.10 £3,035.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,124.10 £6,124.10 . Legal protection £3,035.33 £3,035.33 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Katie Hunter-Gill Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23/03/2023 £9,138.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: J/PI.XRCMWNMDITDKD If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Crawford Ltd Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:J/PI.XRCMWNMDITDKD Name of policy holder:Crawford Ltd Period of insurance: From Saturday 28 March, 2020 to Sat 11 April, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/05/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Saturday 28 March, 2020 Insurance details Policy number: J/PI.XRCMWNMDITDKD Period of insurance: From Saturday 28 March, 2020 to Sat 11 April, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Crawford Ltd Address: 8 Walker rapid West Lorraine FARNHAM SM15 9LX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,572.22 Insurance Premium Tax (IPT): £6,623.98 Total charged premium: £9,138.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,572.22 Insurance Premium Tax (IPT): £6,623.98 Annual total: £9,138.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,124.10 Legal protection £100,000 £0 £3,035.33 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Saturday 28 March, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 02/05/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	J/PI.XRCMWNMDITDKD	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 28 March, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 3DQBX/XLZ8 Company name: Walker, Newton and Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3DQBX/XLZ8. Company name: Walker, Newton and Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,138.49. £ 7,138.49. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Jeffrey Dodd. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-09-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,587.91. £9,587.91. Legal protection. £4,456.87. £4,456.87. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Newton and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-09-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 3DQBX/XLZ8 Company name: Walker, Newton and Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3DQBX/XLZ8 Company name: Walker, Newton and Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,138.49 £ 7,138.49 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,138.49 £ 7,138.49 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Jeffrey Dodd . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-09-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,587.91 £9,587.91 Legal protection £4,456.87 £4,456.87 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Newton and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-09-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-09-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,587.91 £9,587.91 Legal protection £4,456.87 £4,456.87 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Newton and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-09-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,587.91 £4,456.87 £0.00 . This year’s annual Premium (exc IPT) £9,587.91 £4,456.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,587.91 £9,587.91 . Legal protection £4,456.87 £4,456.87 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Jeffrey Dodd Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29/01/25 £7,138.49 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3DQBX/XLZ8 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walker, Newton and Smith Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3DQBX/XLZ8 Name of policy holder:Walker, Newton and Smith Period of insurance: From 2023-09-23 to Saturday 10 September, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03 December, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-09-23 Insurance details Policy number: 3DQBX/XLZ8 Period of insurance: From 2023-09-23 to Saturday 10 September, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Walker, Newton and Smith Address: 95 Williams station North Douglas FARNHAM RM60 3YT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,728.95 Insurance Premium Tax (IPT): £179.92 Total charged premium: £7,138.49 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,728.95 Insurance Premium Tax (IPT): £179.92 Annual total: £7,138.49 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,587.91 Legal protection £100,000 £0 £4,456.87 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-09-23 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 03 December, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	3DQBX/XLZ8	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2023-09-23	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - eligendi-itaque-animi Company name: Little, Collier and Davidson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : eligendi-itaque-animi. Company name: Little, Collier and Davidson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,019.56. £ 1,019.56. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Karen Hopkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 06 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,889.26. £6,889.26. Legal protection. £9,695.80. £9,695.80. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Little, Collier and Davidson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 06 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : eligendi-itaque-animi Company name: Little, Collier and Davidson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : eligendi-itaque-animi Company name: Little, Collier and Davidson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,019.56 £ 1,019.56 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,019.56 £ 1,019.56 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Karen Hopkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 06 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,889.26 £6,889.26 Legal protection £9,695.80 £9,695.80 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Little, Collier and Davidson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 06 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 06 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,889.26 £6,889.26 Legal protection £9,695.80 £9,695.80 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Little, Collier and Davidson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 06 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,889.26 £9,695.80 £0.00 . This year’s annual Premium (exc IPT) £6,889.26 £9,695.80 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,889.26 £6,889.26 . Legal protection £9,695.80 £9,695.80 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Karen Hopkins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 27 June, 2025 £1,019.56 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: eligendi-itaque-animi If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Little, Collier and Davidson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:eligendi-itaque-animi Name of policy holder:Little, Collier and Davidson Period of insurance: From Sunday 06 July, 2025 to 26/09/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-10-25 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 06 July, 2025 Insurance details Policy number: eligendi-itaque-animi Period of insurance: From Sunday 06 July, 2025 to 26/09/24 both days inclusive. This policy isa Continuing cover policy. Insured: Little, Collier and Davidson Address: Flat 82 Simon summit Frederickborough FARNHAM WF6 5BX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,344.39 Insurance Premium Tax (IPT): £1,526.25 Total charged premium: £1,019.56 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,344.39 Insurance Premium Tax (IPT): £1,526.25 Annual total: £1,019.56 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,889.26 Legal protection £100,000 £0 £9,695.80 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 06 July, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2020-10-25 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	eligendi-itaque-animi	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sunday 06 July, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - DIGT32E Company name: Patel Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DIGT32E. Company name: Patel Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,124.72. £ 7,124.72. The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Faulkner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,713.38. £2,713.38. Legal protection. £275.64. £275.64. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DIGT32E Company name: Patel Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DIGT32E Company name: Patel Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,124.72 £ 7,124.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,124.72 £ 7,124.72 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Faulkner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,713.38 £2,713.38 Legal protection £275.64 £275.64 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,713.38 £2,713.38 Legal protection £275.64 £275.64 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,713.38 £275.64 £0.00 . This year’s annual Premium (exc IPT) £2,713.38 £275.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,713.38 £2,713.38 . Legal protection £275.64 £275.64 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Pamela Faulkner Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wednesday 26 May, 2021 £7,124.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DIGT32E If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Patel Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DIGT32E Name of policy holder:Patel Group Period of insurance: From 05/04/22 to 08/07/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-05-21 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 05/04/22 Insurance details Policy number: DIGT32E Period of insurance: From 05/04/22 to 08/07/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Patel Group Address: 93 Gillian lake Lake Susan FARNHAM DL8N 7UN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,038.94 Insurance Premium Tax (IPT): £4,365.86 Total charged premium: £7,124.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,038.94 Insurance Premium Tax (IPT): £4,365.86 Annual total: £7,124.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,713.38 Legal protection £100,000 £0 £275.64 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 05/04/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2025-05-21 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	DIGT32E	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	05/04/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 7-/6IQNDGNNCBX Company name: Porter-Henderson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7-/6IQNDGNNCBX. Company name: Porter-Henderson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,151.85. £ 5,151.85. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mohammed Graham. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,221.64. £2,221.64. Legal protection. £7,878.91. £7,878.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Porter-Henderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 7-/6IQNDGNNCBX Company name: Porter-Henderson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7-/6IQNDGNNCBX Company name: Porter-Henderson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,151.85 £ 5,151.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,151.85 £ 5,151.85 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mohammed Graham . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,221.64 £2,221.64 Legal protection £7,878.91 £7,878.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Porter-Henderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,221.64 £2,221.64 Legal protection £7,878.91 £7,878.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Porter-Henderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,221.64 £7,878.91 £0.00 . This year’s annual Premium (exc IPT) £2,221.64 £7,878.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,221.64 £2,221.64 . Legal protection £7,878.91 £7,878.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mohammed Graham Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/04/20 £5,151.85 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 7-/6IQNDGNNCBX If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Porter-Henderson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:7-/6IQNDGNNCBX Name of policy holder:Porter-Henderson Period of insurance: From Sat 06 February, 2021 to Wed 09 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/01/22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 06 February, 2021 Insurance details Policy number: 7-/6IQNDGNNCBX Period of insurance: From Sat 06 February, 2021 to Wed 09 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Porter-Henderson Address: Flat 53 Fraser course New Owenstad FARNHAM DA9 3WB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,199.99 Insurance Premium Tax (IPT): £2,015.15 Total charged premium: £5,151.85 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,199.99 Insurance Premium Tax (IPT): £2,015.15 Annual total: £5,151.85 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,221.64 Legal protection £100,000 £0 £7,878.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 06 February, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 12/01/22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	7-/6IQNDGNNCBX	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 06 February, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - HFPQX.GY.YCFB-Z- Company name: Jones PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HFPQX.GY.YCFB-Z-. Company name: Jones PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,277.63. £ 6,277.63. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Shannon Hughes-Turner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 05 April, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,636.71. £6,636.71. Legal protection. £1,366.17. £1,366.17. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 05 April, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : HFPQX.GY.YCFB-Z- Company name: Jones PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HFPQX.GY.YCFB-Z- Company name: Jones PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,277.63 £ 6,277.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,277.63 £ 6,277.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Shannon Hughes-Turner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 05 April, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,636.71 £6,636.71 Legal protection £1,366.17 £1,366.17 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 05 April, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 05 April, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,636.71 £6,636.71 Legal protection £1,366.17 £1,366.17 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 05 April, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,636.71 £1,366.17 £0.00 . This year’s annual Premium (exc IPT) £6,636.71 £1,366.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,636.71 £6,636.71 . Legal protection £1,366.17 £1,366.17 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Shannon Hughes-Turner Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2025-01-03 £6,277.63 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: HFPQX.GY.YCFB-Z- If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jones PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:HFPQX.GY.YCFB-Z- Name of policy holder:Jones PLC Period of insurance: From Monday 05 April, 2021 to 2019-04-22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 01 February, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 05 April, 2021 Insurance details Policy number: HFPQX.GY.YCFB-Z- Period of insurance: From Monday 05 April, 2021 to 2019-04-22 both days inclusive. This policy isa Continuing cover policy. Insured: Jones PLC Address: Studio 3 Savage center Thomasberg FARNHAM L08 3FJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,935.80 Insurance Premium Tax (IPT): £6,829.19 Total charged premium: £6,277.63 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,935.80 Insurance Premium Tax (IPT): £6,829.19 Annual total: £6,277.63 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,636.71 Legal protection £100,000 £0 £1,366.17 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 05 April, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Mon 01 February, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	HFPQX.GY.YCFB-Z-	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 05 April, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - P-GB--EYF._THSUOUYU Company name: Woods-Webb It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : P-GB--EYF._THSUOUYU. Company name: Woods-Webb. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,081.98. £ 5,081.98. The premium includes all applicable insurance premium tax (IPT). Dear Dr James Palmer-Lambert. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 21 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,020.96. £8,020.96. Legal protection. £1,398.98. £1,398.98. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Woods-Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 21 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : P-GB--EYF._THSUOUYU Company name: Woods-Webb . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : P-GB--EYF._THSUOUYU Company name: Woods-Webb . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,081.98 £ 5,081.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,081.98 £ 5,081.98 . The premium includes all applicable insurance premium tax (IPT). Dear Dr James Palmer-Lambert . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 21 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,020.96 £8,020.96 Legal protection £1,398.98 £1,398.98 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Woods-Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 21 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 21 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,020.96 £8,020.96 Legal protection £1,398.98 £1,398.98 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Woods-Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 21 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,020.96 £1,398.98 £0.00 . This year’s annual Premium (exc IPT) £8,020.96 £1,398.98 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,020.96 £8,020.96 . Legal protection £1,398.98 £1,398.98 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: James Palmer-Lambert Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2020-05-15 £5,081.98 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: P-GB--EYF._THSUOUYU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Woods-Webb Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:P-GB--EYF._THSUOUYU Name of policy holder:Woods-Webb Period of insurance: From Saturday 21 November, 2020 to 02/06/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05 November, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Saturday 21 November, 2020 Insurance details Policy number: P-GB--EYF._THSUOUYU Period of insurance: From Saturday 21 November, 2020 to 02/06/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Woods-Webb Address: Studio 19t Jeremy skyway Amyton FARNHAM E8H 5YE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,941.16 Insurance Premium Tax (IPT): £9,311.91 Total charged premium: £5,081.98 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,941.16 Insurance Premium Tax (IPT): £9,311.91 Annual total: £5,081.98 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,020.96 Legal protection £100,000 £0 £1,398.98 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Saturday 21 November, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 05 November, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	P-GB--EYF._THSUOUYU	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 21 November, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 376B_DN/2KI/3.2M Company name: Robinson-Wright It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 376B_DN/2KI/3.2M. Company name: Robinson-Wright. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,036.84. £ 7,036.84. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Louis Crawford. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £753.31. £753.31. Legal protection. £2,839.09. £2,839.09. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robinson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 376B_DN/2KI/3.2M Company name: Robinson-Wright . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 376B_DN/2KI/3.2M Company name: Robinson-Wright . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,036.84 £ 7,036.84 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,036.84 £ 7,036.84 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Louis Crawford . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £753.31 £753.31 Legal protection £2,839.09 £2,839.09 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robinson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £753.31 £753.31 Legal protection £2,839.09 £2,839.09 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Robinson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £753.31 £2,839.09 £0.00 . This year’s annual Premium (exc IPT) £753.31 £2,839.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £753.31 £753.31 . Legal protection £2,839.09 £2,839.09 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Louis Crawford Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23/05/2022 £7,036.84 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 376B_DN/2KI/3.2M If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Robinson-Wright Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:376B_DN/2KI/3.2M Name of policy holder:Robinson-Wright Period of insurance: From 29 December, 2021 to Sat 17 July, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 29 February, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 29 December, 2021 Insurance details Policy number: 376B_DN/2KI/3.2M Period of insurance: From 29 December, 2021 to Sat 17 July, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Robinson-Wright Address: 605 Dorothy pine East Holly FARNHAM M5G 3LW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,883.21 Insurance Premium Tax (IPT): £4,162.37 Total charged premium: £7,036.84 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,883.21 Insurance Premium Tax (IPT): £4,162.37 Annual total: £7,036.84 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £753.31 Legal protection £100,000 £0 £2,839.09 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 29 December, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Saturday 29 February, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	376B_DN/2KI/3.2M	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	29 December, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 5OM3VTN Company name: Brown, Taylor and Garner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5OM3VTN. Company name: Brown, Taylor and Garner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,469.62. £ 1,469.62. The premium includes all applicable insurance premium tax (IPT). Dear Ms Ellie Connolly. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 29 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,825.89. £5,825.89. Legal protection. £3,861.67. £3,861.67. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Taylor and Garner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 29 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5OM3VTN Company name: Brown, Taylor and Garner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5OM3VTN Company name: Brown, Taylor and Garner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,469.62 £ 1,469.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,469.62 £ 1,469.62 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Ellie Connolly . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 29 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,825.89 £5,825.89 Legal protection £3,861.67 £3,861.67 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Taylor and Garner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 29 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 29 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,825.89 £5,825.89 Legal protection £3,861.67 £3,861.67 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Taylor and Garner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 29 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,825.89 £3,861.67 £0.00 . This year’s annual Premium (exc IPT) £5,825.89 £3,861.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,825.89 £5,825.89 . Legal protection £3,861.67 £3,861.67 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ellie Connolly Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/04/20 £1,469.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5OM3VTN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brown, Taylor and Garner Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5OM3VTN Name of policy holder:Brown, Taylor and Garner Period of insurance: From Mon 29 September, 2025 to 19 May, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 31 December, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Mon 29 September, 2025 Insurance details Policy number: 5OM3VTN Period of insurance: From Mon 29 September, 2025 to 19 May, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Brown, Taylor and Garner Address: Studio 6 Ronald radial New Sharon FARNHAM NP2 1JE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,594.55 Insurance Premium Tax (IPT): £2,454.60 Total charged premium: £1,469.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,594.55 Insurance Premium Tax (IPT): £2,454.60 Annual total: £1,469.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,825.89 Legal protection £100,000 £0 £3,861.67 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Mon 29 September, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thu 31 December, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5OM3VTN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Mon 29 September, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - D_CEUZ/B_QWDOP Company name: Adams, Cook and Little It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : D_CEUZ/B_QWDOP. Company name: Adams, Cook and Little. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,635.16. £ 7,635.16. The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Marshall. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 12 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,668.77. £7,668.77. Legal protection. £2,209.83. £2,209.83. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Adams, Cook and Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 12 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : D_CEUZ/B_QWDOP Company name: Adams, Cook and Little . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : D_CEUZ/B_QWDOP Company name: Adams, Cook and Little . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,635.16 £ 7,635.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,635.16 £ 7,635.16 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Marshall . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 12 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,668.77 £7,668.77 Legal protection £2,209.83 £2,209.83 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Adams, Cook and Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 12 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 12 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,668.77 £7,668.77 Legal protection £2,209.83 £2,209.83 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Adams, Cook and Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 12 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,668.77 £2,209.83 £0.00 . This year’s annual Premium (exc IPT) £7,668.77 £2,209.83 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,668.77 £7,668.77 . Legal protection £2,209.83 £2,209.83 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Pamela Marshall Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tuesday 05 September, 2023 £7,635.16 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: D_CEUZ/B_QWDOP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Adams, Cook and Little Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:D_CEUZ/B_QWDOP Name of policy holder:Adams, Cook and Little Period of insurance: From Mon 12 July, 2021 to Friday 06 October, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-12-21 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Mon 12 July, 2021 Insurance details Policy number: D_CEUZ/B_QWDOP Period of insurance: From Mon 12 July, 2021 to Friday 06 October, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Adams, Cook and Little Address: Studio 4 Declan lane Murphystad FARNHAM LE25 8QD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,237.56 Insurance Premium Tax (IPT): £243.13 Total charged premium: £7,635.16 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,237.56 Insurance Premium Tax (IPT): £243.13 Annual total: £7,635.16 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,668.77 Legal protection £100,000 £0 £2,209.83 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Mon 12 July, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2025-12-21 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	D_CEUZ/B_QWDOP	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Mon 12 July, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - YVZBVR-GNQT Company name: Hale Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YVZBVR-GNQT. Company name: Hale Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,728.61. £ 6,728.61. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mrs Josephine Jennings. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,471.24. £4,471.24. Legal protection. £1,978.06. £1,978.06. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hale Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : YVZBVR-GNQT Company name: Hale Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YVZBVR-GNQT Company name: Hale Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,728.61 £ 6,728.61 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,728.61 £ 6,728.61 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mrs Josephine Jennings . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,471.24 £4,471.24 Legal protection £1,978.06 £1,978.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hale Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,471.24 £4,471.24 Legal protection £1,978.06 £1,978.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hale Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,471.24 £1,978.06 £0.00 . This year’s annual Premium (exc IPT) £4,471.24 £1,978.06 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,471.24 £4,471.24 . Legal protection £1,978.06 £1,978.06 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Josephine Jennings Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 27/06/20 £6,728.61 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: YVZBVR-GNQT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hale Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:YVZBVR-GNQT Name of policy holder:Hale Inc Period of insurance: From 21/10/23 to 08 August, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 07/09/2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 21/10/23 Insurance details Policy number: YVZBVR-GNQT Period of insurance: From 21/10/23 to 08 August, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Hale Inc Address: Flat 1 Victor isle Port Beverleychester FARNHAM L0W 3LT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,492.62 Insurance Premium Tax (IPT): £4,397.11 Total charged premium: £6,728.61 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,492.62 Insurance Premium Tax (IPT): £4,397.11 Annual total: £6,728.61 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,471.24 Legal protection £100,000 £0 £1,978.06 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/10/23 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 07/09/2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	YVZBVR-GNQT	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21/10/23	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 7.NGH//3C8ETXFY/AP/8J/34 Company name: Payne, Wheeler and Ahmed It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7.NGH//3C8ETXFY/AP/8J/34. Company name: Payne, Wheeler and Ahmed. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,640.70. £ 4,640.70. The premium includes all applicable insurance premium tax (IPT). Dear Miss Nathan Hammond. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £804.43. £804.43. Legal protection. £4,863.41. £4,863.41. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Payne, Wheeler and Ahmed , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 7.NGH//3C8ETXFY/AP/8J/34 Company name: Payne, Wheeler and Ahmed . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7.NGH//3C8ETXFY/AP/8J/34 Company name: Payne, Wheeler and Ahmed . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,640.70 £ 4,640.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,640.70 £ 4,640.70 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Nathan Hammond . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £804.43 £804.43 Legal protection £4,863.41 £4,863.41 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Payne, Wheeler and Ahmed , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £804.43 £804.43 Legal protection £4,863.41 £4,863.41 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Payne, Wheeler and Ahmed , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £804.43 £4,863.41 £0.00 . This year’s annual Premium (exc IPT) £804.43 £4,863.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £804.43 £804.43 . Legal protection £4,863.41 £4,863.41 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Nathan Hammond Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/04/2022 £4,640.70 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 7.NGH//3C8ETXFY/AP/8J/34 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Payne, Wheeler and Ahmed Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:7.NGH//3C8ETXFY/AP/8J/34 Name of policy holder:Payne, Wheeler and Ahmed Period of insurance: From 2025-03-13 to 2021-08-29 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 21 March, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-03-13 Insurance details Policy number: 7.NGH//3C8ETXFY/AP/8J/34 Period of insurance: From 2025-03-13 to 2021-08-29 both days inclusive. This policy isa Continuing cover policy. Insured: Payne, Wheeler and Ahmed Address: 48 Simon circle Watsonburgh FARNHAM SO5X 1NF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £507.35 Insurance Premium Tax (IPT): £4,157.76 Total charged premium: £4,640.70 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £507.35 Insurance Premium Tax (IPT): £4,157.76 Annual total: £4,640.70 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £804.43 Legal protection £100,000 £0 £4,863.41 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-03-13 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Mon 21 March, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	7.NGH//3C8ETXFY/AP/8J/34	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-03-13	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 3/S6VJZMBYRVO6D2D7NA21 Company name: Rees PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/S6VJZMBYRVO6D2D7NA21. Company name: Rees PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,823.90. £ 8,823.90. The premium includes all applicable insurance premium tax (IPT). Dear Mr Colin Cooper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/03/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,692.62. £7,692.62. Legal protection. £9,694.73. £9,694.73. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/03/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 3/S6VJZMBYRVO6D2D7NA21 Company name: Rees PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/S6VJZMBYRVO6D2D7NA21 Company name: Rees PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,823.90 £ 8,823.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,823.90 £ 8,823.90 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Colin Cooper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/03/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,692.62 £7,692.62 Legal protection £9,694.73 £9,694.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/03/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/03/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,692.62 £7,692.62 Legal protection £9,694.73 £9,694.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/03/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,692.62 £9,694.73 £0.00 . This year’s annual Premium (exc IPT) £7,692.62 £9,694.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,692.62 £7,692.62 . Legal protection £9,694.73 £9,694.73 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Colin Cooper Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 19 October, 2021 £8,823.90 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3/S6VJZMBYRVO6D2D7NA21 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rees PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3/S6VJZMBYRVO6D2D7NA21 Name of policy holder:Rees PLC Period of insurance: From 06/03/22 to 19 May, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 15/10/2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 06/03/22 Insurance details Policy number: 3/S6VJZMBYRVO6D2D7NA21 Period of insurance: From 06/03/22 to 19 May, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Rees PLC Address: Flat 78 Raymond stream Simpsonville FARNHAM CW33 4QZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,623.97 Insurance Premium Tax (IPT): £9,995.93 Total charged premium: £8,823.90 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,623.97 Insurance Premium Tax (IPT): £9,995.93 Annual total: £8,823.90 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,692.62 Legal protection £100,000 £0 £9,694.73 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 06/03/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 15/10/2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	3/S6VJZMBYRVO6D2D7NA21	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	06/03/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - OD.X-EKPKNBYVHMB Company name: Riley-James It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OD.X-EKPKNBYVHMB. Company name: Riley-James. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,302.01. £ 1,302.01. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kate Wilkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,712.72. £9,712.72. Legal protection. £9,960.38. £9,960.38. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-James , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : OD.X-EKPKNBYVHMB Company name: Riley-James . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OD.X-EKPKNBYVHMB Company name: Riley-James . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,302.01 £ 1,302.01 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,302.01 £ 1,302.01 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kate Wilkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,712.72 £9,712.72 Legal protection £9,960.38 £9,960.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-James , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 26 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,712.72 £9,712.72 Legal protection £9,960.38 £9,960.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-James , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 26 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,712.72 £9,960.38 £0.00 . This year’s annual Premium (exc IPT) £9,712.72 £9,960.38 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,712.72 £9,712.72 . Legal protection £9,960.38 £9,960.38 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kate Wilkins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 27 August, 2020 £1,302.01 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: OD.X-EKPKNBYVHMB If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Riley-James Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:OD.X-EKPKNBYVHMB Name of policy holder:Riley-James Period of insurance: From Monday 26 February, 2024 to Mon 10 August, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19 February, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 26 February, 2024 Insurance details Policy number: OD.X-EKPKNBYVHMB Period of insurance: From Monday 26 February, 2024 to Mon 10 August, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Riley-James Address: 3 Jones grove Port Anne FARNHAM G9E 2TZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,174.63 Insurance Premium Tax (IPT): £7,000.10 Total charged premium: £1,302.01 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,174.63 Insurance Premium Tax (IPT): £7,000.10 Annual total: £1,302.01 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,712.72 Legal protection £100,000 £0 £9,960.38 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 26 February, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 19 February, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	OD.X-EKPKNBYVHMB	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 26 February, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 8FC.V.RX7F0R4JFM97CJ Company name: Rees-Alexander It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8FC.V.RX7F0R4JFM97CJ. Company name: Rees-Alexander. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,156.00. £ 4,156.00. The premium includes all applicable insurance premium tax (IPT). Dear Dr Karen Harrison. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £333.93. £333.93. Legal protection. £228.89. £228.89. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees-Alexander , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 8FC.V.RX7F0R4JFM97CJ Company name: Rees-Alexander . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8FC.V.RX7F0R4JFM97CJ Company name: Rees-Alexander . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,156.00 £ 4,156.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,156.00 £ 4,156.00 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Karen Harrison . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £333.93 £333.93 Legal protection £228.89 £228.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees-Alexander , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £333.93 £333.93 Legal protection £228.89 £228.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rees-Alexander , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £333.93 £228.89 £0.00 . This year’s annual Premium (exc IPT) £333.93 £228.89 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £333.93 £333.93 . Legal protection £228.89 £228.89 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Karen Harrison Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13 May, 2024 £4,156.00 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 8FC.V.RX7F0R4JFM97CJ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rees-Alexander Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:8FC.V.RX7F0R4JFM97CJ Name of policy holder:Rees-Alexander Period of insurance: From 29 May, 2020 to 04/01/2026 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09 April, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 29 May, 2020 Insurance details Policy number: 8FC.V.RX7F0R4JFM97CJ Period of insurance: From 29 May, 2020 to 04/01/2026 both days inclusive. This policy isa Continuing cover policy. Insured: Rees-Alexander Address: 8 Mason extensions Barlowland FARNHAM M0B 1RU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,036.01 Insurance Premium Tax (IPT): £7,293.94 Total charged premium: £4,156.00 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,036.01 Insurance Premium Tax (IPT): £7,293.94 Annual total: £4,156.00 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £333.93 Legal protection £100,000 £0 £228.89 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 29 May, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 09 April, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	8FC.V.RX7F0R4JFM97CJ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	29 May, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - swpjjzuaboh Company name: Patel-Bond It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : swpjjzuaboh. Company name: Patel-Bond. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,793.62. £ 8,793.62. The premium includes all applicable insurance premium tax (IPT). Dear Dr Philip Newman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 05 September, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,197.17. £4,197.17. Legal protection. £5,415.04. £5,415.04. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Bond , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 05 September, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : swpjjzuaboh Company name: Patel-Bond . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : swpjjzuaboh Company name: Patel-Bond . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,793.62 £ 8,793.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,793.62 £ 8,793.62 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Philip Newman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 05 September, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,197.17 £4,197.17 Legal protection £5,415.04 £5,415.04 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Bond , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 05 September, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 05 September, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,197.17 £4,197.17 Legal protection £5,415.04 £5,415.04 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Bond , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 05 September, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,197.17 £5,415.04 £0.00 . This year’s annual Premium (exc IPT) £4,197.17 £5,415.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,197.17 £4,197.17 . Legal protection £5,415.04 £5,415.04 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Philip Newman Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Monday 02 September, 2019 £8,793.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: swpjjzuaboh If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Patel-Bond Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:swpjjzuaboh Name of policy holder:Patel-Bond Period of insurance: From Tuesday 05 September, 2023 to 29 March, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 21 July, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tuesday 05 September, 2023 Insurance details Policy number: swpjjzuaboh Period of insurance: From Tuesday 05 September, 2023 to 29 March, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Patel-Bond Address: Flat 33l Francis island Lake Lyndahaven FARNHAM HA5H 9XA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,396.76 Insurance Premium Tax (IPT): £4,740.09 Total charged premium: £8,793.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,396.76 Insurance Premium Tax (IPT): £4,740.09 Annual total: £8,793.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,197.17 Legal protection £100,000 £0 £5,415.04 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tuesday 05 September, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 21 July, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	swpjjzuaboh	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tuesday 05 September, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 27MGSB5826JLN Company name: Johnson-Evans It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 27MGSB5826JLN. Company name: Johnson-Evans. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,359.18. £ 5,359.18. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Jason Higgins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,137.09. £1,137.09. Legal protection. £604.32. £604.32. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Johnson-Evans , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 27MGSB5826JLN Company name: Johnson-Evans . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 27MGSB5826JLN Company name: Johnson-Evans . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,359.18 £ 5,359.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,359.18 £ 5,359.18 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Jason Higgins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,137.09 £1,137.09 Legal protection £604.32 £604.32 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Johnson-Evans , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,137.09 £1,137.09 Legal protection £604.32 £604.32 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Johnson-Evans , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,137.09 £604.32 £0.00 . This year’s annual Premium (exc IPT) £1,137.09 £604.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,137.09 £1,137.09 . Legal protection £604.32 £604.32 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Jason Higgins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 29 March, 2024 £5,359.18 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 27MGSB5826JLN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Johnson-Evans Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:27MGSB5826JLN Name of policy holder:Johnson-Evans Period of insurance: From Mon 02 September, 2024 to Thursday 02 October, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28 October, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Mon 02 September, 2024 Insurance details Policy number: 27MGSB5826JLN Period of insurance: From Mon 02 September, 2024 to Thursday 02 October, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Johnson-Evans Address: 63 Richard plains Stewartside FARNHAM HS4 2PS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,624.12 Insurance Premium Tax (IPT): £132.28 Total charged premium: £5,359.18 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,624.12 Insurance Premium Tax (IPT): £132.28 Annual total: £5,359.18 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,137.09 Legal protection £100,000 £0 £604.32 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Mon 02 September, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 28 October, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	27MGSB5826JLN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Mon 02 September, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - LBPSVPG/Z Company name: Jackson-Wright It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LBPSVPG/Z. Company name: Jackson-Wright. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,201.86. £ 6,201.86. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jessica Baker-Price. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,276.35. £9,276.35. Legal protection. £5,680.14. £5,680.14. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jackson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : LBPSVPG/Z Company name: Jackson-Wright . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LBPSVPG/Z Company name: Jackson-Wright . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,201.86 £ 6,201.86 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,201.86 £ 6,201.86 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jessica Baker-Price . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,276.35 £9,276.35 Legal protection £5,680.14 £5,680.14 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jackson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,276.35 £9,276.35 Legal protection £5,680.14 £5,680.14 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jackson-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,276.35 £5,680.14 £0.00 . This year’s annual Premium (exc IPT) £9,276.35 £5,680.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,276.35 £9,276.35 . Legal protection £5,680.14 £5,680.14 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jessica Baker-Price Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 19/01/22 £6,201.86 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: LBPSVPG/Z If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jackson-Wright Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:LBPSVPG/Z Name of policy holder:Jackson-Wright Period of insurance: From 17/12/24 to 2021-08-09 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-10-13 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17/12/24 Insurance details Policy number: LBPSVPG/Z Period of insurance: From 17/12/24 to 2021-08-09 both days inclusive. This policy isa Continuing cover policy. Insured: Jackson-Wright Address: 2 O'Donnell ports Abbieview FARNHAM ZE9P 3UE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,878.20 Insurance Premium Tax (IPT): £1,375.94 Total charged premium: £6,201.86 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,878.20 Insurance Premium Tax (IPT): £1,375.94 Annual total: £6,201.86 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,276.35 Legal protection £100,000 £0 £5,680.14 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 17/12/24 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2024-10-13 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	LBPSVPG/Z	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	17/12/24	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - svvn_t_x-npxngfecdms Company name: Mills, Bryan and Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : svvn_t_x-npxngfecdms. Company name: Mills, Bryan and Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,514.34. £ 2,514.34. The premium includes all applicable insurance premium tax (IPT). Dear Dr Megan Webb. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 06 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,620.68. £6,620.68. Legal protection. £1,342.57. £1,342.57. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills, Bryan and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 06 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : svvn_t_x-npxngfecdms Company name: Mills, Bryan and Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : svvn_t_x-npxngfecdms Company name: Mills, Bryan and Jones . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,514.34 £ 2,514.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,514.34 £ 2,514.34 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Megan Webb . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 06 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,620.68 £6,620.68 Legal protection £1,342.57 £1,342.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills, Bryan and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 06 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 06 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,620.68 £6,620.68 Legal protection £1,342.57 £1,342.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills, Bryan and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 06 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,620.68 £1,342.57 £0.00 . This year’s annual Premium (exc IPT) £6,620.68 £1,342.57 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,620.68 £6,620.68 . Legal protection £1,342.57 £1,342.57 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Megan Webb Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 11 May, 2022 £2,514.34 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: svvn_t_x-npxngfecdms If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mills, Bryan and Jones Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:svvn_t_x-npxngfecdms Name of policy holder:Mills, Bryan and Jones Period of insurance: From Tue 06 August, 2024 to Monday 01 November, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 11 October, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 06 August, 2024 Insurance details Policy number: svvn_t_x-npxngfecdms Period of insurance: From Tue 06 August, 2024 to Monday 01 November, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Mills, Bryan and Jones Address: 50 Oliver gateway Clementstown FARNHAM MK7X 5GT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,353.99 Insurance Premium Tax (IPT): £9,415.21 Total charged premium: £2,514.34 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,353.99 Insurance Premium Tax (IPT): £9,415.21 Annual total: £2,514.34 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,620.68 Legal protection £100,000 £0 £1,342.57 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tue 06 August, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 11 October, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	svvn_t_x-npxngfecdms	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tue 06 August, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - tizcrbjo Company name: Taylor-Shaw It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tizcrbjo. Company name: Taylor-Shaw. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,161.64. £ 9,161.64. The premium includes all applicable insurance premium tax (IPT). Dear Dr Holly Parkin. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,314.33. £2,314.33. Legal protection. £3,371.13. £3,371.13. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : tizcrbjo Company name: Taylor-Shaw . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tizcrbjo Company name: Taylor-Shaw . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,161.64 £ 9,161.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,161.64 £ 9,161.64 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Holly Parkin . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,314.33 £2,314.33 Legal protection £3,371.13 £3,371.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,314.33 £2,314.33 Legal protection £3,371.13 £3,371.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,314.33 £3,371.13 £0.00 . This year’s annual Premium (exc IPT) £2,314.33 £3,371.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,314.33 £2,314.33 . Legal protection £3,371.13 £3,371.13 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Holly Parkin Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 26/05/21 £9,161.64 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: tizcrbjo If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Taylor-Shaw Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:tizcrbjo Name of policy holder:Taylor-Shaw Period of insurance: From 12/12/2021 to 22 February, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 14 March, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 12/12/2021 Insurance details Policy number: tizcrbjo Period of insurance: From 12/12/2021 to 22 February, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor-Shaw Address: 6 Richard loop Victorchester FARNHAM CW7W 1DB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,351.01 Insurance Premium Tax (IPT): £6,692.81 Total charged premium: £9,161.64 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,351.01 Insurance Premium Tax (IPT): £6,692.81 Annual total: £9,161.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,314.33 Legal protection £100,000 £0 £3,371.13 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 12/12/2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thu 14 March, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	tizcrbjo	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	12/12/2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - DX_FKKVBYCJNAILRC Company name: Ellis PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DX_FKKVBYCJNAILRC. Company name: Ellis PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,619.52. £ 2,619.52. The premium includes all applicable insurance premium tax (IPT). Dear Mr Abigail Vincent. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,965.60. £1,965.60. Legal protection. £123.15. £123.15. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DX_FKKVBYCJNAILRC Company name: Ellis PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DX_FKKVBYCJNAILRC Company name: Ellis PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,619.52 £ 2,619.52 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,619.52 £ 2,619.52 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Abigail Vincent . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,965.60 £1,965.60 Legal protection £123.15 £123.15 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,965.60 £1,965.60 Legal protection £123.15 £123.15 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 08 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,965.60 £123.15 £0.00 . This year’s annual Premium (exc IPT) £1,965.60 £123.15 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,965.60 £1,965.60 . Legal protection £123.15 £123.15 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Abigail Vincent Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 16 May, 2022 £2,619.52 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DX_FKKVBYCJNAILRC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ellis PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DX_FKKVBYCJNAILRC Name of policy holder:Ellis PLC Period of insurance: From Monday 08 September, 2025 to Thursday 21 April, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 03 December, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 08 September, 2025 Insurance details Policy number: DX_FKKVBYCJNAILRC Period of insurance: From Monday 08 September, 2025 to Thursday 21 April, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Ellis PLC Address: Studio 9 Marie plaza Wattsland FARNHAM B5B 2JD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,402.59 Insurance Premium Tax (IPT): £2,041.22 Total charged premium: £2,619.52 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,402.59 Insurance Premium Tax (IPT): £2,041.22 Annual total: £2,619.52 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,965.60 Legal protection £100,000 £0 £123.15 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 08 September, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 03 December, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	DX_FKKVBYCJNAILRC	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 08 September, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - H-.DIW647R3C3/3EH8 Company name: Wright-Bell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H-.DIW647R3C3/3EH8. Company name: Wright-Bell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,037.43. £ 1,037.43. The premium includes all applicable insurance premium tax (IPT). Dear Miss Karen Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,749.47. £7,749.47. Legal protection. £8,462.39. £8,462.39. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright-Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : H-.DIW647R3C3/3EH8 Company name: Wright-Bell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H-.DIW647R3C3/3EH8 Company name: Wright-Bell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,037.43 £ 1,037.43 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,037.43 £ 1,037.43 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Karen Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,749.47 £7,749.47 Legal protection £8,462.39 £8,462.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright-Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,749.47 £7,749.47 Legal protection £8,462.39 £8,462.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright-Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,749.47 £8,462.39 £0.00 . This year’s annual Premium (exc IPT) £7,749.47 £8,462.39 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,749.47 £7,749.47 . Legal protection £8,462.39 £8,462.39 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Karen Smith Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-04-10 £1,037.43 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: H-.DIW647R3C3/3EH8 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wright-Bell Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:H-.DIW647R3C3/3EH8 Name of policy holder:Wright-Bell Period of insurance: From Friday 02 September, 2022 to 2019-06-13 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 09 October, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Friday 02 September, 2022 Insurance details Policy number: H-.DIW647R3C3/3EH8 Period of insurance: From Friday 02 September, 2022 to 2019-06-13 both days inclusive. This policy isa Continuing cover policy. Insured: Wright-Bell Address: Flat 3 Joanne drives Lake Janice FARNHAM EC5 3BE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £693.34 Insurance Premium Tax (IPT): £6,996.49 Total charged premium: £1,037.43 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £693.34 Insurance Premium Tax (IPT): £6,996.49 Annual total: £1,037.43 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,749.47 Legal protection £100,000 £0 £8,462.39 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 02 September, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 09 October, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	H-.DIW647R3C3/3EH8	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Friday 02 September, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - V/X6Q87FR9 Company name: Jenkins, Wood and Butler It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V/X6Q87FR9. Company name: Jenkins, Wood and Butler. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,042.72. £ 7,042.72. The premium includes all applicable insurance premium tax (IPT). Dear Dr Bradley Clarke. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,209.19. £9,209.19. Legal protection. £3,932.33. £3,932.33. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Wood and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : V/X6Q87FR9 Company name: Jenkins, Wood and Butler . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V/X6Q87FR9 Company name: Jenkins, Wood and Butler . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,042.72 £ 7,042.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,042.72 £ 7,042.72 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Bradley Clarke . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,209.19 £9,209.19 Legal protection £3,932.33 £3,932.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Wood and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,209.19 £9,209.19 Legal protection £3,932.33 £3,932.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Wood and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,209.19 £3,932.33 £0.00 . This year’s annual Premium (exc IPT) £9,209.19 £3,932.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,209.19 £9,209.19 . Legal protection £3,932.33 £3,932.33 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Bradley Clarke Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 07 June, 2025 £7,042.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: V/X6Q87FR9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jenkins, Wood and Butler Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:V/X6Q87FR9 Name of policy holder:Jenkins, Wood and Butler Period of insurance: From Tuesday 02 December, 2025 to Sun 29 November, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 28 December, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tuesday 02 December, 2025 Insurance details Policy number: V/X6Q87FR9 Period of insurance: From Tuesday 02 December, 2025 to Sun 29 November, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Jenkins, Wood and Butler Address: Flat 04 Dean drive Jacksonhaven FARNHAM NW00 7NP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,353.46 Insurance Premium Tax (IPT): £5,885.63 Total charged premium: £7,042.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,353.46 Insurance Premium Tax (IPT): £5,885.63 Annual total: £7,042.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,209.19 Legal protection £100,000 £0 £3,932.33 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tuesday 02 December, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wednesday 28 December, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	V/X6Q87FR9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tuesday 02 December, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 25N6IF3/8/DVQ97/PA Company name: Jones Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 25N6IF3/8/DVQ97/PA. Company name: Jones Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 833.15. £ 833.15. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Terry Saunders. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,746.73. £1,746.73. Legal protection. £7,602.73. £7,602.73. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-10-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 25N6IF3/8/DVQ97/PA Company name: Jones Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 25N6IF3/8/DVQ97/PA Company name: Jones Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 833.15 £ 833.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 833.15 £ 833.15 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Terry Saunders . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,746.73 £1,746.73 Legal protection £7,602.73 £7,602.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-10-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,746.73 £1,746.73 Legal protection £7,602.73 £7,602.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-10-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,746.73 £7,602.73 £0.00 . This year’s annual Premium (exc IPT) £1,746.73 £7,602.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,746.73 £1,746.73 . Legal protection £7,602.73 £7,602.73 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Terry Saunders Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 12/10/2020 £833.15 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 25N6IF3/8/DVQ97/PA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jones Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:25N6IF3/8/DVQ97/PA Name of policy holder:Jones Inc Period of insurance: From 2023-10-22 to Sat 03 April, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 17 May, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-10-22 Insurance details Policy number: 25N6IF3/8/DVQ97/PA Period of insurance: From 2023-10-22 to Sat 03 April, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Jones Inc Address: 6 Clare springs West Sandrabury FARNHAM PH9W 2JJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,373.81 Insurance Premium Tax (IPT): £5,422.09 Total charged premium: £833.15 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,373.81 Insurance Premium Tax (IPT): £5,422.09 Annual total: £833.15 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,746.73 Legal protection £100,000 £0 £7,602.73 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-10-22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sun 17 May, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	25N6IF3/8/DVQ97/PA	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2023-10-22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - WSFB1UT/1LU7PN Company name: Morgan PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WSFB1UT/1LU7PN. Company name: Morgan PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,168.79. £ 1,168.79. The premium includes all applicable insurance premium tax (IPT). Dear Mr Gerald Singh. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-09-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,521.96. £9,521.96. Legal protection. £7,657.77. £7,657.77. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-09-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : WSFB1UT/1LU7PN Company name: Morgan PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WSFB1UT/1LU7PN Company name: Morgan PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,168.79 £ 1,168.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,168.79 £ 1,168.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Gerald Singh . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-09-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,521.96 £9,521.96 Legal protection £7,657.77 £7,657.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-09-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-09-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,521.96 £9,521.96 Legal protection £7,657.77 £7,657.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-09-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,521.96 £7,657.77 £0.00 . This year’s annual Premium (exc IPT) £9,521.96 £7,657.77 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,521.96 £9,521.96 . Legal protection £7,657.77 £7,657.77 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gerald Singh Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25 November, 2025 £1,168.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: WSFB1UT/1LU7PN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morgan PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WSFB1UT/1LU7PN Name of policy holder:Morgan PLC Period of insurance: From 2024-09-18 to Wednesday 09 October, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 26 March, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-09-18 Insurance details Policy number: WSFB1UT/1LU7PN Period of insurance: From 2024-09-18 to Wednesday 09 October, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Morgan PLC Address: 243 Lawrence dam Morganside FARNHAM L1J 3GQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,560.04 Insurance Premium Tax (IPT): £4,087.87 Total charged premium: £1,168.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,560.04 Insurance Premium Tax (IPT): £4,087.87 Annual total: £1,168.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,521.96 Legal protection £100,000 £0 £7,657.77 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-09-18 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sat 26 March, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	WSFB1UT/1LU7PN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-09-18	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 6ACTR.-48/4AYKADHR3 Company name: Stevens, Ford and Young It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ACTR.-48/4AYKADHR3. Company name: Stevens, Ford and Young. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,531.16. £ 2,531.16. The premium includes all applicable insurance premium tax (IPT). Dear Dr Nigel Morgan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-02-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,839.37. £8,839.37. Legal protection. £7,798.33. £7,798.33. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ford and Young , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-02-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6ACTR.-48/4AYKADHR3 Company name: Stevens, Ford and Young . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ACTR.-48/4AYKADHR3 Company name: Stevens, Ford and Young . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,531.16 £ 2,531.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,531.16 £ 2,531.16 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Nigel Morgan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-02-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,839.37 £8,839.37 Legal protection £7,798.33 £7,798.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ford and Young , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-02-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-02-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,839.37 £8,839.37 Legal protection £7,798.33 £7,798.33 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ford and Young , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-02-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,839.37 £7,798.33 £0.00 . This year’s annual Premium (exc IPT) £8,839.37 £7,798.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,839.37 £8,839.37 . Legal protection £7,798.33 £7,798.33 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Nigel Morgan Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2019-04-01 £2,531.16 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6ACTR.-48/4AYKADHR3 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stevens, Ford and Young Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6ACTR.-48/4AYKADHR3 Name of policy holder:Stevens, Ford and Young Period of insurance: From 2026-02-02 to Saturday 13 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 07 July, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2026-02-02 Insurance details Policy number: 6ACTR.-48/4AYKADHR3 Period of insurance: From 2026-02-02 to Saturday 13 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Stevens, Ford and Young Address: 8 White circle West Declan FARNHAM TF3E 1WQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £559.84 Insurance Premium Tax (IPT): £9,100.28 Total charged premium: £2,531.16 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £559.84 Insurance Premium Tax (IPT): £9,100.28 Annual total: £2,531.16 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,839.37 Legal protection £100,000 £0 £7,798.33 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2026-02-02 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 07 July, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6ACTR.-48/4AYKADHR3	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2026-02-02	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - jwfvy_dnyv Company name: Tucker PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : jwfvy_dnyv. Company name: Tucker PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,838.41. £ 2,838.41. The premium includes all applicable insurance premium tax (IPT). Dear Dr Howard Thomas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/10/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,627.70. £4,627.70. Legal protection. £2,788.72. £2,788.72. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Tucker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/10/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : jwfvy_dnyv Company name: Tucker PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : jwfvy_dnyv Company name: Tucker PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,838.41 £ 2,838.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,838.41 £ 2,838.41 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Howard Thomas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/10/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,627.70 £4,627.70 Legal protection £2,788.72 £2,788.72 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Tucker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/10/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/10/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,627.70 £4,627.70 Legal protection £2,788.72 £2,788.72 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Tucker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/10/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,627.70 £2,788.72 £0.00 . This year’s annual Premium (exc IPT) £4,627.70 £2,788.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,627.70 £4,627.70 . Legal protection £2,788.72 £2,788.72 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Howard Thomas Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14 December, 2019 £2,838.41 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: jwfvy_dnyv If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Tucker PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:jwfvy_dnyv Name of policy holder:Tucker PLC Period of insurance: From 15/10/2023 to 2021-09-08 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-06-25 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 15/10/2023 Insurance details Policy number: jwfvy_dnyv Period of insurance: From 15/10/2023 to 2021-09-08 both days inclusive. This policy isa Continuing cover policy. Insured: Tucker PLC Address: 195 Frances point East Nicole FARNHAM EX7Y 7SF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,625.12 Insurance Premium Tax (IPT): £853.05 Total charged premium: £2,838.41 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,625.12 Insurance Premium Tax (IPT): £853.05 Annual total: £2,838.41 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,627.70 Legal protection £100,000 £0 £2,788.72 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 15/10/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-06-25 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	jwfvy_dnyv	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	15/10/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - NAZJAV. Company name: Skinner, Harrison and Kirk It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NAZJAV.. Company name: Skinner, Harrison and Kirk. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,518.71. £ 3,518.71. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Dennis Byrne. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 27 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,337.01. £3,337.01. Legal protection. £8,176.57. £8,176.57. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Skinner, Harrison and Kirk , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 27 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : NAZJAV. Company name: Skinner, Harrison and Kirk . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NAZJAV. Company name: Skinner, Harrison and Kirk . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,518.71 £ 3,518.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,518.71 £ 3,518.71 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Dennis Byrne . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 27 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,337.01 £3,337.01 Legal protection £8,176.57 £8,176.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Skinner, Harrison and Kirk , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 27 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 27 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,337.01 £3,337.01 Legal protection £8,176.57 £8,176.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Skinner, Harrison and Kirk , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 27 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,337.01 £8,176.57 £0.00 . This year’s annual Premium (exc IPT) £3,337.01 £8,176.57 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,337.01 £3,337.01 . Legal protection £8,176.57 £8,176.57 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Dennis Byrne Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/09/2022 £3,518.71 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: NAZJAV. If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Skinner, Harrison and Kirk Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:NAZJAV. Name of policy holder:Skinner, Harrison and Kirk Period of insurance: From Friday 27 January, 2023 to 07 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 25 August, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Friday 27 January, 2023 Insurance details Policy number: NAZJAV. Period of insurance: From Friday 27 January, 2023 to 07 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Skinner, Harrison and Kirk Address: Studio 66 Taylor branch Chloefurt FARNHAM HP19 9SX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,925.08 Insurance Premium Tax (IPT): £6,525.13 Total charged premium: £3,518.71 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,925.08 Insurance Premium Tax (IPT): £6,525.13 Annual total: £3,518.71 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,337.01 Legal protection £100,000 £0 £8,176.57 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 27 January, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 25 August, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	NAZJAV.	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Friday 27 January, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - d-aziq_hnxt Company name: Atkinson, Ward and Coles It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : d-aziq_hnxt. Company name: Atkinson, Ward and Coles. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,278.45. £ 7,278.45. The premium includes all applicable insurance premium tax (IPT). Dear Mr Cameron Marshall. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 05 October, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,623.21. £3,623.21. Legal protection. £5,931.12. £5,931.12. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Atkinson, Ward and Coles , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 05 October, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : d-aziq_hnxt Company name: Atkinson, Ward and Coles . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : d-aziq_hnxt Company name: Atkinson, Ward and Coles . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,278.45 £ 7,278.45 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,278.45 £ 7,278.45 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Cameron Marshall . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 05 October, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,623.21 £3,623.21 Legal protection £5,931.12 £5,931.12 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Atkinson, Ward and Coles , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 05 October, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 05 October, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,623.21 £3,623.21 Legal protection £5,931.12 £5,931.12 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Atkinson, Ward and Coles , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 05 October, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,623.21 £5,931.12 £0.00 . This year’s annual Premium (exc IPT) £3,623.21 £5,931.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,623.21 £3,623.21 . Legal protection £5,931.12 £5,931.12 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Cameron Marshall Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/10/24 £7,278.45 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: d-aziq_hnxt If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Atkinson, Ward and Coles Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:d-aziq_hnxt Name of policy holder:Atkinson, Ward and Coles Period of insurance: From Wednesday 05 October, 2022 to Sunday 03 October, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 23 April, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wednesday 05 October, 2022 Insurance details Policy number: d-aziq_hnxt Period of insurance: From Wednesday 05 October, 2022 to Sunday 03 October, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Atkinson, Ward and Coles Address: 0 Melanie ports Murphyfort FARNHAM E6 3TF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,115.30 Insurance Premium Tax (IPT): £5,049.27 Total charged premium: £7,278.45 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,115.30 Insurance Premium Tax (IPT): £5,049.27 Annual total: £7,278.45 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,623.21 Legal protection £100,000 £0 £5,931.12 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Wednesday 05 October, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 23 April, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	d-aziq_hnxt	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wednesday 05 October, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - uywofjwqcd_grczjbt_who Company name: Mahmood, Thomas and Brown It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : uywofjwqcd_grczjbt_who. Company name: Mahmood, Thomas and Brown. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,764.72. £ 8,764.72. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sheila Wilkinson-Cooper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,506.32. £5,506.32. Legal protection. £5,804.55. £5,804.55. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mahmood, Thomas and Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : uywofjwqcd_grczjbt_who Company name: Mahmood, Thomas and Brown . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : uywofjwqcd_grczjbt_who Company name: Mahmood, Thomas and Brown . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,764.72 £ 8,764.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,764.72 £ 8,764.72 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sheila Wilkinson-Cooper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,506.32 £5,506.32 Legal protection £5,804.55 £5,804.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mahmood, Thomas and Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,506.32 £5,506.32 Legal protection £5,804.55 £5,804.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mahmood, Thomas and Brown , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,506.32 £5,804.55 £0.00 . This year’s annual Premium (exc IPT) £5,506.32 £5,804.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,506.32 £5,506.32 . Legal protection £5,804.55 £5,804.55 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Sheila Wilkinson-Cooper Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 01 August, 2021 £8,764.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: uywofjwqcd_grczjbt_who If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mahmood, Thomas and Brown Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:uywofjwqcd_grczjbt_who Name of policy holder:Mahmood, Thomas and Brown Period of insurance: From 24 August, 2019 to 2023-09-08 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/08/22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 24 August, 2019 Insurance details Policy number: uywofjwqcd_grczjbt_who Period of insurance: From 24 August, 2019 to 2023-09-08 both days inclusive. This policy isa Continuing cover policy. Insured: Mahmood, Thomas and Brown Address: 19 Jonathan port Lake Robin FARNHAM B8 3FD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,783.22 Insurance Premium Tax (IPT): £6,244.50 Total charged premium: £8,764.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,783.22 Insurance Premium Tax (IPT): £6,244.50 Annual total: £8,764.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,506.32 Legal protection £100,000 £0 £5,804.55 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 24 August, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 12/08/22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	uywofjwqcd_grczjbt_who	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	24 August, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - UBSVCDSI Company name: Cook-Morris It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UBSVCDSI. Company name: Cook-Morris. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,565.17. £ 9,565.17. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Judith Whitehead. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/06/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,928.93. £6,928.93. Legal protection. £2,127.72. £2,127.72. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/06/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : UBSVCDSI Company name: Cook-Morris . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UBSVCDSI Company name: Cook-Morris . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,565.17 £ 9,565.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,565.17 £ 9,565.17 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Judith Whitehead . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/06/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,928.93 £6,928.93 Legal protection £2,127.72 £2,127.72 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/06/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/06/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,928.93 £6,928.93 Legal protection £2,127.72 £2,127.72 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook-Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/06/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,928.93 £2,127.72 £0.00 . This year’s annual Premium (exc IPT) £6,928.93 £2,127.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,928.93 £6,928.93 . Legal protection £2,127.72 £2,127.72 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Judith Whitehead Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 19 November, 2024 £9,565.17 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: UBSVCDSI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cook-Morris Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:UBSVCDSI Name of policy holder:Cook-Morris Period of insurance: From 29/06/2024 to Sat 21 November, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/03/2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 29/06/2024 Insurance details Policy number: UBSVCDSI Period of insurance: From 29/06/2024 to Sat 21 November, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Cook-Morris Address: Flat 05i Hutchinson wall Mohamedshire FARNHAM L7F 5EX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,040.87 Insurance Premium Tax (IPT): £3,440.48 Total charged premium: £9,565.17 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,040.87 Insurance Premium Tax (IPT): £3,440.48 Annual total: £9,565.17 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,928.93 Legal protection £100,000 £0 £2,127.72 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 29/06/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 22/03/2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	UBSVCDSI	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	29/06/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - SQ2_3C46G9QL6MMANTV8T Company name: Brown, Austin and Patel It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SQ2_3C46G9QL6MMANTV8T. Company name: Brown, Austin and Patel. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,174.83. £ 7,174.83. The premium includes all applicable insurance premium tax (IPT). Dear Miss Abdul Lee-Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,898.84. £9,898.84. Legal protection. £7,137.29. £7,137.29. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Austin and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : SQ2_3C46G9QL6MMANTV8T Company name: Brown, Austin and Patel . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SQ2_3C46G9QL6MMANTV8T Company name: Brown, Austin and Patel . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,174.83 £ 7,174.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,174.83 £ 7,174.83 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Abdul Lee-Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,898.84 £9,898.84 Legal protection £7,137.29 £7,137.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Austin and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,898.84 £9,898.84 Legal protection £7,137.29 £7,137.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown, Austin and Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,898.84 £7,137.29 £0.00 . This year’s annual Premium (exc IPT) £9,898.84 £7,137.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,898.84 £9,898.84 . Legal protection £7,137.29 £7,137.29 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Abdul Lee-Smith Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Saturday 01 May, 2021 £7,174.83 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: SQ2_3C46G9QL6MMANTV8T If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brown, Austin and Patel Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:SQ2_3C46G9QL6MMANTV8T Name of policy holder:Brown, Austin and Patel Period of insurance: From 02 March, 2022 to 13/11/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-02-04 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 02 March, 2022 Insurance details Policy number: SQ2_3C46G9QL6MMANTV8T Period of insurance: From 02 March, 2022 to 13/11/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Brown, Austin and Patel Address: 56 Barnett forge North Tony FARNHAM S5J 7AU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,892.88 Insurance Premium Tax (IPT): £2,591.87 Total charged premium: £7,174.83 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,892.88 Insurance Premium Tax (IPT): £2,591.87 Annual total: £7,174.83 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,898.84 Legal protection £100,000 £0 £7,137.29 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 02 March, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2022-02-04 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	SQ2_3C46G9QL6MMANTV8T	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	02 March, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - zrnwahmksibcs.xql/udblb Company name: Walsh-Taylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zrnwahmksibcs.xql/udblb. Company name: Walsh-Taylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,539.55. £ 2,539.55. The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Read. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 26 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,903.75. £7,903.75. Legal protection. £6,167.40. £6,167.40. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walsh-Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 26 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : zrnwahmksibcs.xql/udblb Company name: Walsh-Taylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zrnwahmksibcs.xql/udblb Company name: Walsh-Taylor . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,539.55 £ 2,539.55 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,539.55 £ 2,539.55 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Read . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 26 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,903.75 £7,903.75 Legal protection £6,167.40 £6,167.40 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walsh-Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 26 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 26 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,903.75 £7,903.75 Legal protection £6,167.40 £6,167.40 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walsh-Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 26 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,903.75 £6,167.40 £0.00 . This year’s annual Premium (exc IPT) £7,903.75 £6,167.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,903.75 £7,903.75 . Legal protection £6,167.40 £6,167.40 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Adrian Read Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01/10/2022 £2,539.55 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: zrnwahmksibcs.xql/udblb If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walsh-Taylor Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:zrnwahmksibcs.xql/udblb Name of policy holder:Walsh-Taylor Period of insurance: From Sat 26 July, 2025 to 27/01/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 22 August, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 26 July, 2025 Insurance details Policy number: zrnwahmksibcs.xql/udblb Period of insurance: From Sat 26 July, 2025 to 27/01/25 both days inclusive. This policy isa Continuing cover policy. Insured: Walsh-Taylor Address: 0 Eleanor prairie Janehaven FARNHAM G6 6JP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,421.28 Insurance Premium Tax (IPT): £5,815.98 Total charged premium: £2,539.55 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,421.28 Insurance Premium Tax (IPT): £5,815.98 Annual total: £2,539.55 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,903.75 Legal protection £100,000 £0 £6,167.40 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 26 July, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thu 22 August, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	zrnwahmksibcs.xql/udblb	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 26 July, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 2PH9I.LL-ZD8/2-6E6//TF20M Company name: Harris Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2PH9I.LL-ZD8/2-6E6//TF20M. Company name: Harris Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,289.45. £ 4,289.45. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Beverley Hanson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,819.28. £6,819.28. Legal protection. £2,717.71. £2,717.71. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 2PH9I.LL-ZD8/2-6E6//TF20M Company name: Harris Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2PH9I.LL-ZD8/2-6E6//TF20M Company name: Harris Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,289.45 £ 4,289.45 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,289.45 £ 4,289.45 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Beverley Hanson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,819.28 £6,819.28 Legal protection £2,717.71 £2,717.71 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,819.28 £6,819.28 Legal protection £2,717.71 £2,717.71 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,819.28 £2,717.71 £0.00 . This year’s annual Premium (exc IPT) £6,819.28 £2,717.71 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,819.28 £6,819.28 . Legal protection £2,717.71 £2,717.71 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Beverley Hanson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13 September, 2024 £4,289.45 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 2PH9I.LL-ZD8/2-6E6//TF20M If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Harris Ltd Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:2PH9I.LL-ZD8/2-6E6//TF20M Name of policy holder:Harris Ltd Period of insurance: From 05/06/24 to 29/10/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/09/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 05/06/24 Insurance details Policy number: 2PH9I.LL-ZD8/2-6E6//TF20M Period of insurance: From 05/06/24 to 29/10/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Harris Ltd Address: 74 Hill curve New Callumshire FARNHAM LE16 7YW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,663.63 Insurance Premium Tax (IPT): £3,102.29 Total charged premium: £4,289.45 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,663.63 Insurance Premium Tax (IPT): £3,102.29 Annual total: £4,289.45 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,819.28 Legal protection £100,000 £0 £2,717.71 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 05/06/24 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 18/09/24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	2PH9I.LL-ZD8/2-6E6//TF20M	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	05/06/24	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - sinp-b/ferj Company name: Willis Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : sinp-b/ferj. Company name: Willis Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,335.97. £ 3,335.97. The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ball. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-08-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,350.83. £6,350.83. Legal protection. £5,502.40. £5,502.40. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Willis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-08-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : sinp-b/ferj Company name: Willis Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : sinp-b/ferj Company name: Willis Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,335.97 £ 3,335.97 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,335.97 £ 3,335.97 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ball . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-08-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,350.83 £6,350.83 Legal protection £5,502.40 £5,502.40 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Willis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-08-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-08-23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,350.83 £6,350.83 Legal protection £5,502.40 £5,502.40 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Willis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-08-23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,350.83 £5,502.40 £0.00 . This year’s annual Premium (exc IPT) £6,350.83 £5,502.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,350.83 £6,350.83 . Legal protection £5,502.40 £5,502.40 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Anthony Ball Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sat 27 April, 2024 £3,335.97 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: sinp-b/ferj If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Willis Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:sinp-b/ferj Name of policy holder:Willis Inc Period of insurance: From 2020-08-23 to 23/09/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 15 January, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2020-08-23 Insurance details Policy number: sinp-b/ferj Period of insurance: From 2020-08-23 to 23/09/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Willis Inc Address: 31 Jessica burgs North Joseph FARNHAM DN95 0QF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,192.38 Insurance Premium Tax (IPT): £9,418.08 Total charged premium: £3,335.97 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,192.38 Insurance Premium Tax (IPT): £9,418.08 Annual total: £3,335.97 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,350.83 Legal protection £100,000 £0 £5,502.40 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2020-08-23 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 15 January, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	sinp-b/ferj	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2020-08-23	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - PQ5IFZMAJV6IV4OJ5_YTXQN Company name: Foster-Hunt It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PQ5IFZMAJV6IV4OJ5_YTXQN. Company name: Foster-Hunt. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,188.25. £ 6,188.25. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Sandra Chapman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 25 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,517.09. £8,517.09. Legal protection. £250.37. £250.37. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Foster-Hunt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 25 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : PQ5IFZMAJV6IV4OJ5_YTXQN Company name: Foster-Hunt . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PQ5IFZMAJV6IV4OJ5_YTXQN Company name: Foster-Hunt . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,188.25 £ 6,188.25 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,188.25 £ 6,188.25 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Sandra Chapman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 25 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,517.09 £8,517.09 Legal protection £250.37 £250.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Foster-Hunt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 25 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 25 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,517.09 £8,517.09 Legal protection £250.37 £250.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Foster-Hunt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 25 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,517.09 £250.37 £0.00 . This year’s annual Premium (exc IPT) £8,517.09 £250.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,517.09 £8,517.09 . Legal protection £250.37 £250.37 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Sandra Chapman Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01/12/2023 £6,188.25 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: PQ5IFZMAJV6IV4OJ5_YTXQN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Foster-Hunt Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:PQ5IFZMAJV6IV4OJ5_YTXQN Name of policy holder:Foster-Hunt Period of insurance: From Sat 25 April, 2020 to 05/08/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/10/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 25 April, 2020 Insurance details Policy number: PQ5IFZMAJV6IV4OJ5_YTXQN Period of insurance: From Sat 25 April, 2020 to 05/08/22 both days inclusive. This policy isa Continuing cover policy. Insured: Foster-Hunt Address: Studio 33z Barry glen Marshland FARNHAM HU49 6WY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,389.65 Insurance Premium Tax (IPT): £6,804.71 Total charged premium: £6,188.25 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,389.65 Insurance Premium Tax (IPT): £6,804.71 Annual total: £6,188.25 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,517.09 Legal protection £100,000 £0 £250.37 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 25 April, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/10/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	PQ5IFZMAJV6IV4OJ5_YTXQN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 25 April, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - I4DJP0MTBSY_H/6L2H3T Company name: Barry-Metcalfe It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I4DJP0MTBSY_H/6L2H3T. Company name: Barry-Metcalfe. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,610.71. £ 8,610.71. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Raymond Robinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 11 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,856.35. £3,856.35. Legal protection. £2,720.69. £2,720.69. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Barry-Metcalfe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 11 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : I4DJP0MTBSY_H/6L2H3T Company name: Barry-Metcalfe . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I4DJP0MTBSY_H/6L2H3T Company name: Barry-Metcalfe . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,610.71 £ 8,610.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,610.71 £ 8,610.71 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Raymond Robinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 11 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,856.35 £3,856.35 Legal protection £2,720.69 £2,720.69 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Barry-Metcalfe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 11 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 11 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,856.35 £3,856.35 Legal protection £2,720.69 £2,720.69 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Barry-Metcalfe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 11 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,856.35 £2,720.69 £0.00 . This year’s annual Premium (exc IPT) £3,856.35 £2,720.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,856.35 £3,856.35 . Legal protection £2,720.69 £2,720.69 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Raymond Robinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 05 December, 2025 £8,610.71 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: I4DJP0MTBSY_H/6L2H3T If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Barry-Metcalfe Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:I4DJP0MTBSY_H/6L2H3T Name of policy holder:Barry-Metcalfe Period of insurance: From Wed 11 September, 2024 to 01/02/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 01/01/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wed 11 September, 2024 Insurance details Policy number: I4DJP0MTBSY_H/6L2H3T Period of insurance: From Wed 11 September, 2024 to 01/02/20 both days inclusive. This policy isa Continuing cover policy. Insured: Barry-Metcalfe Address: 09 Bentley heights Eileenhaven FARNHAM G5T 5EN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,318.95 Insurance Premium Tax (IPT): £4,662.60 Total charged premium: £8,610.71 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,318.95 Insurance Premium Tax (IPT): £4,662.60 Annual total: £8,610.71 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,856.35 Legal protection £100,000 £0 £2,720.69 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Wed 11 September, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 01/01/23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	I4DJP0MTBSY_H/6L2H3T	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wed 11 September, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 3C-O//Z0TFQ1 Company name: Spencer-Dawson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3C-O//Z0TFQ1. Company name: Spencer-Dawson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,323.12. £ 1,323.12. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Douglas Webb. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 17 November, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,284.36. £9,284.36. Legal protection. £7,709.39. £7,709.39. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 17 November, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 3C-O//Z0TFQ1 Company name: Spencer-Dawson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3C-O//Z0TFQ1 Company name: Spencer-Dawson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,323.12 £ 1,323.12 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,323.12 £ 1,323.12 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Douglas Webb . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 17 November, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,284.36 £9,284.36 Legal protection £7,709.39 £7,709.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 17 November, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 17 November, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,284.36 £9,284.36 Legal protection £7,709.39 £7,709.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 17 November, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,284.36 £7,709.39 £0.00 . This year’s annual Premium (exc IPT) £9,284.36 £7,709.39 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,284.36 £9,284.36 . Legal protection £7,709.39 £7,709.39 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Douglas Webb Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 02/03/19 £1,323.12 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3C-O//Z0TFQ1 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Spencer-Dawson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3C-O//Z0TFQ1 Name of policy holder:Spencer-Dawson Period of insurance: From Wed 17 November, 2021 to Sat 11 May, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 22 July, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wed 17 November, 2021 Insurance details Policy number: 3C-O//Z0TFQ1 Period of insurance: From Wed 17 November, 2021 to Sat 11 May, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Spencer-Dawson Address: 74 Kieran underpass Gavinfort FARNHAM W3E 4UQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,561.67 Insurance Premium Tax (IPT): £1,113.66 Total charged premium: £1,323.12 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,561.67 Insurance Premium Tax (IPT): £1,113.66 Annual total: £1,323.12 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,284.36 Legal protection £100,000 £0 £7,709.39 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Wed 17 November, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Mon 22 July, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	3C-O//Z0TFQ1	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wed 17 November, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 6.GPL83ZF9ZAWMFEZJRM5BZI Company name: Saunders, Barker and Butler It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6.GPL83ZF9ZAWMFEZJRM5BZI. Company name: Saunders, Barker and Butler. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,952.73. £ 8,952.73. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mr Roy Archer. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,626.33. £8,626.33. Legal protection. £5,819.84. £5,819.84. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Saunders, Barker and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6.GPL83ZF9ZAWMFEZJRM5BZI Company name: Saunders, Barker and Butler . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6.GPL83ZF9ZAWMFEZJRM5BZI Company name: Saunders, Barker and Butler . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,952.73 £ 8,952.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,952.73 £ 8,952.73 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mr Roy Archer . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,626.33 £8,626.33 Legal protection £5,819.84 £5,819.84 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Saunders, Barker and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,626.33 £8,626.33 Legal protection £5,819.84 £5,819.84 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Saunders, Barker and Butler , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,626.33 £5,819.84 £0.00 . This year’s annual Premium (exc IPT) £8,626.33 £5,819.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,626.33 £8,626.33 . Legal protection £5,819.84 £5,819.84 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Roy Archer Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01 October, 2019 £8,952.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6.GPL83ZF9ZAWMFEZJRM5BZI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Saunders, Barker and Butler Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6.GPL83ZF9ZAWMFEZJRM5BZI Name of policy holder:Saunders, Barker and Butler Period of insurance: From 26 November, 2023 to Sunday 25 June, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 02 June, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 26 November, 2023 Insurance details Policy number: 6.GPL83ZF9ZAWMFEZJRM5BZI Period of insurance: From 26 November, 2023 to Sunday 25 June, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Saunders, Barker and Butler Address: Flat 4 Graham ranch Ryanville FARNHAM LE00 0TW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,607.90 Insurance Premium Tax (IPT): £6,074.69 Total charged premium: £8,952.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,607.90 Insurance Premium Tax (IPT): £6,074.69 Annual total: £8,952.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,626.33 Legal protection £100,000 £0 £5,819.84 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 26 November, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 02 June, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6.GPL83ZF9ZAWMFEZJRM5BZI	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	26 November, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - I3S.//A8I0LL651.RG Company name: Clements, Bowen and Roberts It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I3S.//A8I0LL651.RG. Company name: Clements, Bowen and Roberts. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,429.38. £ 5,429.38. The premium includes all applicable insurance premium tax (IPT). Dear Ms Stanley Noble-Long. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,656.54. £4,656.54. Legal protection. £5,598.21. £5,598.21. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements, Bowen and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : I3S.//A8I0LL651.RG Company name: Clements, Bowen and Roberts . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I3S.//A8I0LL651.RG Company name: Clements, Bowen and Roberts . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,429.38 £ 5,429.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,429.38 £ 5,429.38 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Stanley Noble-Long . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,656.54 £4,656.54 Legal protection £5,598.21 £5,598.21 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements, Bowen and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,656.54 £4,656.54 Legal protection £5,598.21 £5,598.21 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements, Bowen and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,656.54 £5,598.21 £0.00 . This year’s annual Premium (exc IPT) £4,656.54 £5,598.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,656.54 £4,656.54 . Legal protection £5,598.21 £5,598.21 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Stanley Noble-Long Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 05/03/24 £5,429.38 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: I3S.//A8I0LL651.RG If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Clements, Bowen and Roberts Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:I3S.//A8I0LL651.RG Name of policy holder:Clements, Bowen and Roberts Period of insurance: From 02/08/2023 to 04 July, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-03-20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 02/08/2023 Insurance details Policy number: I3S.//A8I0LL651.RG Period of insurance: From 02/08/2023 to 04 July, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Clements, Bowen and Roberts Address: 71 Scott divide South Ashleighville FARNHAM WC46 0DA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,402.14 Insurance Premium Tax (IPT): £8,520.05 Total charged premium: £5,429.38 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,402.14 Insurance Premium Tax (IPT): £8,520.05 Annual total: £5,429.38 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,656.54 Legal protection £100,000 £0 £5,598.21 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 02/08/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2024-03-20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	I3S.//A8I0LL651.RG	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	02/08/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - NLHI.O.RXWIIKVCUSXG Company name: Gibson Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NLHI.O.RXWIIKVCUSXG. Company name: Gibson Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,985.99. £ 9,985.99. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Maria Harper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,757.42. £2,757.42. Legal protection. £5,593.91. £5,593.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : NLHI.O.RXWIIKVCUSXG Company name: Gibson Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NLHI.O.RXWIIKVCUSXG Company name: Gibson Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,985.99 £ 9,985.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,985.99 £ 9,985.99 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Maria Harper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,757.42 £2,757.42 Legal protection £5,593.91 £5,593.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 15 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,757.42 £2,757.42 Legal protection £5,593.91 £5,593.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 15 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,757.42 £5,593.91 £0.00 . This year’s annual Premium (exc IPT) £2,757.42 £5,593.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,757.42 £2,757.42 . Legal protection £5,593.91 £5,593.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Maria Harper Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tuesday 30 August, 2022 £9,985.99 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: NLHI.O.RXWIIKVCUSXG If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gibson Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:NLHI.O.RXWIIKVCUSXG Name of policy holder:Gibson Inc Period of insurance: From Sunday 15 January, 2023 to 10/07/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08/12/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 15 January, 2023 Insurance details Policy number: NLHI.O.RXWIIKVCUSXG Period of insurance: From Sunday 15 January, 2023 to 10/07/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Gibson Inc Address: 3 Denis plains Lake Damian FARNHAM E31 3UW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,227.06 Insurance Premium Tax (IPT): £8,906.18 Total charged premium: £9,985.99 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,227.06 Insurance Premium Tax (IPT): £8,906.18 Annual total: £9,985.99 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,757.42 Legal protection £100,000 £0 £5,593.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 15 January, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 08/12/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	NLHI.O.RXWIIKVCUSXG	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sunday 15 January, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - Z2495P2K-3_XQ9U Company name: Mason-Gallagher It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z2495P2K-3_XQ9U. Company name: Mason-Gallagher. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,626.78. £ 4,626.78. The premium includes all applicable insurance premium tax (IPT). Dear Dr Zoe Price. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/03/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,114.93. £5,114.93. Legal protection. £3,188.92. £3,188.92. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mason-Gallagher , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26/03/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : Z2495P2K-3_XQ9U Company name: Mason-Gallagher . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z2495P2K-3_XQ9U Company name: Mason-Gallagher . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,626.78 £ 4,626.78 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,626.78 £ 4,626.78 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Zoe Price . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/03/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,114.93 £5,114.93 Legal protection £3,188.92 £3,188.92 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mason-Gallagher , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26/03/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/03/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,114.93 £5,114.93 Legal protection £3,188.92 £3,188.92 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mason-Gallagher , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26/03/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,114.93 £3,188.92 £0.00 . This year’s annual Premium (exc IPT) £5,114.93 £3,188.92 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,114.93 £5,114.93 . Legal protection £3,188.92 £3,188.92 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Zoe Price Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-06-19 £4,626.78 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: Z2495P2K-3_XQ9U If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mason-Gallagher Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:Z2495P2K-3_XQ9U Name of policy holder:Mason-Gallagher Period of insurance: From 26/03/2021 to 05/04/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/05/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 26/03/2021 Insurance details Policy number: Z2495P2K-3_XQ9U Period of insurance: From 26/03/2021 to 05/04/23 both days inclusive. This policy isa Continuing cover policy. Insured: Mason-Gallagher Address: Flat 8 Fiona summit Emilyside FARNHAM WD79 6LX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,897.31 Insurance Premium Tax (IPT): £1,583.69 Total charged premium: £4,626.78 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,897.31 Insurance Premium Tax (IPT): £1,583.69 Annual total: £4,626.78 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,114.93 Legal protection £100,000 £0 £3,188.92 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 26/03/2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 11/05/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	Z2495P2K-3_XQ9U	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	26/03/2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 5FBDA//XB03KVBWQ/RGRGS Company name: Jennings LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5FBDA//XB03KVBWQ/RGRGS. Company name: Jennings LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,948.55. £ 7,948.55. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Katie King. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,293.16. £9,293.16. Legal protection. £1,789.93. £1,789.93. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5FBDA//XB03KVBWQ/RGRGS Company name: Jennings LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5FBDA//XB03KVBWQ/RGRGS Company name: Jennings LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,948.55 £ 7,948.55 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,948.55 £ 7,948.55 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Katie King . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,293.16 £9,293.16 Legal protection £1,789.93 £1,789.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,293.16 £9,293.16 Legal protection £1,789.93 £1,789.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,293.16 £1,789.93 £0.00 . This year’s annual Premium (exc IPT) £9,293.16 £1,789.93 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,293.16 £9,293.16 . Legal protection £1,789.93 £1,789.93 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Katie King Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29/10/2020 £7,948.55 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5FBDA//XB03KVBWQ/RGRGS If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jennings LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5FBDA//XB03KVBWQ/RGRGS Name of policy holder:Jennings LLC Period of insurance: From 29/03/2025 to Tuesday 28 May, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 13 November, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 29/03/2025 Insurance details Policy number: 5FBDA//XB03KVBWQ/RGRGS Period of insurance: From 29/03/2025 to Tuesday 28 May, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Jennings LLC Address: Studio 4 Gardiner mission Billybury FARNHAM S35 0PF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,983.03 Insurance Premium Tax (IPT): £6,864.48 Total charged premium: £7,948.55 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,983.03 Insurance Premium Tax (IPT): £6,864.48 Annual total: £7,948.55 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,293.16 Legal protection £100,000 £0 £1,789.93 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 29/03/2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Monday 13 November, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5FBDA//XB03KVBWQ/RGRGS	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	29/03/2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - X-HNPFV-ICXX/CQUWBU Company name: Lambert Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X-HNPFV-ICXX/CQUWBU. Company name: Lambert Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,981.08. £ 2,981.08. The premium includes all applicable insurance premium tax (IPT). Dear Mr Kathryn Sinclair. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/10/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,530.58. £1,530.58. Legal protection. £4,493.88. £4,493.88. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lambert Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : X-HNPFV-ICXX/CQUWBU Company name: Lambert Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X-HNPFV-ICXX/CQUWBU Company name: Lambert Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,981.08 £ 2,981.08 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,981.08 £ 2,981.08 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Kathryn Sinclair . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/10/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,530.58 £1,530.58 Legal protection £4,493.88 £4,493.88 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lambert Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/10/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,530.58 £1,530.58 Legal protection £4,493.88 £4,493.88 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lambert Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,530.58 £4,493.88 £0.00 . This year’s annual Premium (exc IPT) £1,530.58 £4,493.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,530.58 £1,530.58 . Legal protection £4,493.88 £4,493.88 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kathryn Sinclair Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2026-01-09 £2,981.08 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: X-HNPFV-ICXX/CQUWBU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lambert Ltd Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:X-HNPFV-ICXX/CQUWBU Name of policy holder:Lambert Ltd Period of insurance: From 03/10/25 to Mon 12 February, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22 June, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 03/10/25 Insurance details Policy number: X-HNPFV-ICXX/CQUWBU Period of insurance: From 03/10/25 to Mon 12 February, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Lambert Ltd Address: Studio 42 Lisa lodge Clarkview FARNHAM SW7Y 6BY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,319.43 Insurance Premium Tax (IPT): £1,644.49 Total charged premium: £2,981.08 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,319.43 Insurance Premium Tax (IPT): £1,644.49 Annual total: £2,981.08 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,530.58 Legal protection £100,000 £0 £4,493.88 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 03/10/25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 22 June, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	X-HNPFV-ICXX/CQUWBU	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	03/10/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 6CZG.S5.CI2B6A/IETMI-OH Company name: Parker PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6CZG.S5.CI2B6A/IETMI-OH. Company name: Parker PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,986.62. £ 3,986.62. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Arthur Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,668.32. £1,668.32. Legal protection. £9,676.05. £9,676.05. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6CZG.S5.CI2B6A/IETMI-OH Company name: Parker PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6CZG.S5.CI2B6A/IETMI-OH Company name: Parker PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,986.62 £ 3,986.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,986.62 £ 3,986.62 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Arthur Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,668.32 £1,668.32 Legal protection £9,676.05 £9,676.05 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,668.32 £1,668.32 Legal protection £9,676.05 £9,676.05 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,668.32 £9,676.05 £0.00 . This year’s annual Premium (exc IPT) £1,668.32 £9,676.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,668.32 £1,668.32 . Legal protection £9,676.05 £9,676.05 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Arthur Brown Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 06 August, 2022 £3,986.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6CZG.S5.CI2B6A/IETMI-OH If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Parker PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6CZG.S5.CI2B6A/IETMI-OH Name of policy holder:Parker PLC Period of insurance: From 2021-04-28 to Wed 13 September, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 11 July, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-04-28 Insurance details Policy number: 6CZG.S5.CI2B6A/IETMI-OH Period of insurance: From 2021-04-28 to Wed 13 September, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Parker PLC Address: Studio 04C Joel cove New Mary FARNHAM HP62 1PT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,750.63 Insurance Premium Tax (IPT): £9,915.63 Total charged premium: £3,986.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,750.63 Insurance Premium Tax (IPT): £9,915.63 Annual total: £3,986.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,668.32 Legal protection £100,000 £0 £9,676.05 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-04-28 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Friday 11 July, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6CZG.S5.CI2B6A/IETMI-OH	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-04-28	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - u/naedro Company name: Jones-Woods It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : u/naedro. Company name: Jones-Woods. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,420.53. £ 6,420.53. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gerard Thorpe. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/07/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,755.57. £7,755.57. Legal protection. £6,100.14. £6,100.14. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones-Woods , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/07/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : u/naedro Company name: Jones-Woods . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : u/naedro Company name: Jones-Woods . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,420.53 £ 6,420.53 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,420.53 £ 6,420.53 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gerard Thorpe . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/07/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,755.57 £7,755.57 Legal protection £6,100.14 £6,100.14 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones-Woods , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/07/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 29/07/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,755.57 £7,755.57 Legal protection £6,100.14 £6,100.14 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones-Woods , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 29/07/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,755.57 £6,100.14 £0.00 . This year’s annual Premium (exc IPT) £7,755.57 £6,100.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,755.57 £7,755.57 . Legal protection £6,100.14 £6,100.14 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gerard Thorpe Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14/12/20 £6,420.53 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: u/naedro If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jones-Woods Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:u/naedro Name of policy holder:Jones-Woods Period of insurance: From 29/07/2022 to 24/11/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 05 June, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 29/07/2022 Insurance details Policy number: u/naedro Period of insurance: From 29/07/2022 to 24/11/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Jones-Woods Address: Studio 97 Jodie ville Port Annaton FARNHAM ST0 3TF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,078.93 Insurance Premium Tax (IPT): £7,737.25 Total charged premium: £6,420.53 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,078.93 Insurance Premium Tax (IPT): £7,737.25 Annual total: £6,420.53 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,755.57 Legal protection £100,000 £0 £6,100.14 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 29/07/2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 05 June, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	u/naedro	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	29/07/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 01IZZH43 Company name: Mills-Harrison It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 01IZZH43. Company name: Mills-Harrison. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,433.62. £ 8,433.62. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Dorothy Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-09-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,349.44. £7,349.44. Legal protection. £6,131.45. £6,131.45. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-09-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 01IZZH43 Company name: Mills-Harrison . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 01IZZH43 Company name: Mills-Harrison . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,433.62 £ 8,433.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,433.62 £ 8,433.62 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Dorothy Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-09-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,349.44 £7,349.44 Legal protection £6,131.45 £6,131.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-09-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-09-22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,349.44 £7,349.44 Legal protection £6,131.45 £6,131.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mills-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-09-22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,349.44 £6,131.45 £0.00 . This year’s annual Premium (exc IPT) £7,349.44 £6,131.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,349.44 £7,349.44 . Legal protection £6,131.45 £6,131.45 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Dorothy Brown Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-10-31 £8,433.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 01IZZH43 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mills-Harrison Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:01IZZH43 Name of policy holder:Mills-Harrison Period of insurance: From 2020-09-22 to Mon 24 October, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21/07/21 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2020-09-22 Insurance details Policy number: 01IZZH43 Period of insurance: From 2020-09-22 to Mon 24 October, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Mills-Harrison Address: Flat 34 Gallagher way South Joycemouth FARNHAM S0B 3BP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,308.07 Insurance Premium Tax (IPT): £7,276.35 Total charged premium: £8,433.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,308.07 Insurance Premium Tax (IPT): £7,276.35 Annual total: £8,433.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,349.44 Legal protection £100,000 £0 £6,131.45 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2020-09-22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 21/07/21 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	01IZZH43	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2020-09-22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - PO0EX/PNE.7B-/_LH7 Company name: Brookes-Read It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PO0EX/PNE.7B-/_LH7. Company name: Brookes-Read. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,681.75. £ 4,681.75. The premium includes all applicable insurance premium tax (IPT). Dear Mr Barbara Brookes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,583.43. £9,583.43. Legal protection. £2,832.13. £2,832.13. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brookes-Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : PO0EX/PNE.7B-/_LH7 Company name: Brookes-Read . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PO0EX/PNE.7B-/_LH7 Company name: Brookes-Read . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,681.75 £ 4,681.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,681.75 £ 4,681.75 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Barbara Brookes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,583.43 £9,583.43 Legal protection £2,832.13 £2,832.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brookes-Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,583.43 £9,583.43 Legal protection £2,832.13 £2,832.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brookes-Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,583.43 £2,832.13 £0.00 . This year’s annual Premium (exc IPT) £9,583.43 £2,832.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,583.43 £9,583.43 . Legal protection £2,832.13 £2,832.13 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Barbara Brookes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 24/12/2022 £4,681.75 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: PO0EX/PNE.7B-/_LH7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brookes-Read Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:PO0EX/PNE.7B-/_LH7 Name of policy holder:Brookes-Read Period of insurance: From 16/05/22 to 07/09/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/06/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/05/22 Insurance details Policy number: PO0EX/PNE.7B-/_LH7 Period of insurance: From 16/05/22 to 07/09/24 both days inclusive. This policy isa Continuing cover policy. Insured: Brookes-Read Address: 06 Robin shore East Gemma FARNHAM B91 8UL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,298.08 Insurance Premium Tax (IPT): £2,538.45 Total charged premium: £4,681.75 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,298.08 Insurance Premium Tax (IPT): £2,538.45 Annual total: £4,681.75 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,583.43 Legal protection £100,000 £0 £2,832.13 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/05/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 11/06/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	PO0EX/PNE.7B-/_LH7	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/05/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - Z.E83EFEE/30D/6C8NSFW5Y Company name: Gallagher-Baker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z.E83EFEE/30D/6C8NSFW5Y. Company name: Gallagher-Baker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,974.16. £ 1,974.16. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Catherine Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,970.03. £6,970.03. Legal protection. £7,536.93. £7,536.93. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gallagher-Baker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : Z.E83EFEE/30D/6C8NSFW5Y Company name: Gallagher-Baker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z.E83EFEE/30D/6C8NSFW5Y Company name: Gallagher-Baker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,974.16 £ 1,974.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,974.16 £ 1,974.16 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Catherine Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,970.03 £6,970.03 Legal protection £7,536.93 £7,536.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gallagher-Baker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,970.03 £6,970.03 Legal protection £7,536.93 £7,536.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gallagher-Baker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,970.03 £7,536.93 £0.00 . This year’s annual Premium (exc IPT) £6,970.03 £7,536.93 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,970.03 £6,970.03 . Legal protection £7,536.93 £7,536.93 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Catherine Jones Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29 April, 2024 £1,974.16 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: Z.E83EFEE/30D/6C8NSFW5Y If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gallagher-Baker Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:Z.E83EFEE/30D/6C8NSFW5Y Name of policy holder:Gallagher-Baker Period of insurance: From 2021-07-08 to 2019-09-23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21 June, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-07-08 Insurance details Policy number: Z.E83EFEE/30D/6C8NSFW5Y Period of insurance: From 2021-07-08 to 2019-09-23 both days inclusive. This policy isa Continuing cover policy. Insured: Gallagher-Baker Address: 035 Leigh ville Karenbury FARNHAM N68 8HH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,154.62 Insurance Premium Tax (IPT): £9,332.70 Total charged premium: £1,974.16 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,154.62 Insurance Premium Tax (IPT): £9,332.70 Annual total: £1,974.16 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,970.03 Legal protection £100,000 £0 £7,536.93 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-07-08 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 21 June, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	Z.E83EFEE/30D/6C8NSFW5Y	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-07-08	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 4DFCA/R-K/MLJFS5GIPZ Company name: Cox-Matthews It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4DFCA/R-K/MLJFS5GIPZ. Company name: Cox-Matthews. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,934.27. £ 2,934.27. The premium includes all applicable insurance premium tax (IPT). Dear Miss Bradley Harrison. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,694.28. £4,694.28. Legal protection. £4,283.58. £4,283.58. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Matthews , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 4DFCA/R-K/MLJFS5GIPZ Company name: Cox-Matthews . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4DFCA/R-K/MLJFS5GIPZ Company name: Cox-Matthews . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,934.27 £ 2,934.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,934.27 £ 2,934.27 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Bradley Harrison . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,694.28 £4,694.28 Legal protection £4,283.58 £4,283.58 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Matthews , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31 March, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,694.28 £4,694.28 Legal protection £4,283.58 £4,283.58 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Matthews , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31 March, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,694.28 £4,283.58 £0.00 . This year’s annual Premium (exc IPT) £4,694.28 £4,283.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,694.28 £4,694.28 . Legal protection £4,283.58 £4,283.58 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Bradley Harrison Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/09/25 £2,934.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 4DFCA/R-K/MLJFS5GIPZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cox-Matthews Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:4DFCA/R-K/MLJFS5GIPZ Name of policy holder:Cox-Matthews Period of insurance: From 31 March, 2020 to 12 February, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/02/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 31 March, 2020 Insurance details Policy number: 4DFCA/R-K/MLJFS5GIPZ Period of insurance: From 31 March, 2020 to 12 February, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Cox-Matthews Address: 3 Reeves gateway East Glenfurt FARNHAM L65 6PD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,067.83 Insurance Premium Tax (IPT): £9,415.09 Total charged premium: £2,934.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,067.83 Insurance Premium Tax (IPT): £9,415.09 Annual total: £2,934.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,694.28 Legal protection £100,000 £0 £4,283.58 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 31 March, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 24/02/24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	4DFCA/R-K/MLJFS5GIPZ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	31 March, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - R3V8MJ/I4YXAH Company name: Ford Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R3V8MJ/I4YXAH. Company name: Ford Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,831.40. £ 8,831.40. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gordon Duffy-Hutchinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,567.36. £9,567.36. Legal protection. £7,146.96. £7,146.96. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ford Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : R3V8MJ/I4YXAH Company name: Ford Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R3V8MJ/I4YXAH Company name: Ford Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,831.40 £ 8,831.40 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,831.40 £ 8,831.40 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gordon Duffy-Hutchinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,567.36 £9,567.36 Legal protection £7,146.96 £7,146.96 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ford Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,567.36 £9,567.36 Legal protection £7,146.96 £7,146.96 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ford Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,567.36 £7,146.96 £0.00 . This year’s annual Premium (exc IPT) £9,567.36 £7,146.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,567.36 £9,567.36 . Legal protection £7,146.96 £7,146.96 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gordon Duffy-Hutchinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23 September, 2024 £8,831.40 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: R3V8MJ/I4YXAH If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ford Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:R3V8MJ/I4YXAH Name of policy holder:Ford Group Period of insurance: From 05/08/2024 to 04/04/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/03/2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 05/08/2024 Insurance details Policy number: R3V8MJ/I4YXAH Period of insurance: From 05/08/2024 to 04/04/19 both days inclusive. This policy isa Continuing cover policy. Insured: Ford Group Address: Flat 85 Georgina rapids Port Marychester FARNHAM KA42 9PL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,428.48 Insurance Premium Tax (IPT): £2,429.47 Total charged premium: £8,831.40 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,428.48 Insurance Premium Tax (IPT): £2,429.47 Annual total: £8,831.40 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,567.36 Legal protection £100,000 £0 £7,146.96 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 05/08/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/03/2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	R3V8MJ/I4YXAH	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	05/08/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - WCL//3_.J5 Company name: Davies and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WCL//3_.J5. Company name: Davies and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,684.00. £ 5,684.00. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Thomas Wilson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,491.71. £2,491.71. Legal protection. £1,787.43. £1,787.43. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : WCL//3_.J5 Company name: Davies and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WCL//3_.J5 Company name: Davies and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,684.00 £ 5,684.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,684.00 £ 5,684.00 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Thomas Wilson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,491.71 £2,491.71 Legal protection £1,787.43 £1,787.43 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,491.71 £2,491.71 Legal protection £1,787.43 £1,787.43 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,491.71 £1,787.43 £0.00 . This year’s annual Premium (exc IPT) £2,491.71 £1,787.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,491.71 £2,491.71 . Legal protection £1,787.43 £1,787.43 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Thomas Wilson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 22 November, 2020 £5,684.00 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: WCL//3_.J5 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Davies and Sons Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WCL//3_.J5 Name of policy holder:Davies and Sons Period of insurance: From 13/06/2019 to Friday 14 April, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10/03/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 13/06/2019 Insurance details Policy number: WCL//3_.J5 Period of insurance: From 13/06/2019 to Friday 14 April, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Davies and Sons Address: Flat 23 Campbell points South Rebecca FARNHAM B1 4ZW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,531.86 Insurance Premium Tax (IPT): £1,734.37 Total charged premium: £5,684.00 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,531.86 Insurance Premium Tax (IPT): £1,734.37 Annual total: £5,684.00 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,491.71 Legal protection £100,000 £0 £1,787.43 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 13/06/2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 10/03/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	WCL//3_.J5	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	13/06/2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - rhjppxq/zvfyifrf Company name: Webster-Thomas It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rhjppxq/zvfyifrf. Company name: Webster-Thomas. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,419.92. £ 7,419.92. The premium includes all applicable insurance premium tax (IPT). Dear Ms James Berry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,713.54. £1,713.54. Legal protection. £8,084.85. £8,084.85. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webster-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : rhjppxq/zvfyifrf Company name: Webster-Thomas . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rhjppxq/zvfyifrf Company name: Webster-Thomas . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,419.92 £ 7,419.92 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,419.92 £ 7,419.92 . The premium includes all applicable insurance premium tax (IPT). Dear Ms James Berry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,713.54 £1,713.54 Legal protection £8,084.85 £8,084.85 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webster-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,713.54 £1,713.54 Legal protection £8,084.85 £8,084.85 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Webster-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,713.54 £8,084.85 £0.00 . This year’s annual Premium (exc IPT) £1,713.54 £8,084.85 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,713.54 £1,713.54 . Legal protection £8,084.85 £8,084.85 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: James Berry Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 30 May, 2021 £7,419.92 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: rhjppxq/zvfyifrf If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Webster-Thomas Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:rhjppxq/zvfyifrf Name of policy holder:Webster-Thomas Period of insurance: From 25/12/25 to 2025-10-17 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29/08/2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 25/12/25 Insurance details Policy number: rhjppxq/zvfyifrf Period of insurance: From 25/12/25 to 2025-10-17 both days inclusive. This policy isa Continuing cover policy. Insured: Webster-Thomas Address: Flat 62Z Leon lakes Kellymouth FARNHAM IV8 9TD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,125.86 Insurance Premium Tax (IPT): £8,285.11 Total charged premium: £7,419.92 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,125.86 Insurance Premium Tax (IPT): £8,285.11 Annual total: £7,419.92 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,713.54 Legal protection £100,000 £0 £8,084.85 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 25/12/25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 29/08/2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	rhjppxq/zvfyifrf	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	25/12/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - JWOIQMTN Company name: Cook LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JWOIQMTN. Company name: Cook LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,205.88. £ 7,205.88. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dylan Gibbs. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,106.53. £9,106.53. Legal protection. £8,306.34. £8,306.34. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : JWOIQMTN Company name: Cook LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JWOIQMTN Company name: Cook LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,205.88 £ 7,205.88 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,205.88 £ 7,205.88 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dylan Gibbs . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,106.53 £9,106.53 Legal protection £8,306.34 £8,306.34 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,106.53 £9,106.53 Legal protection £8,306.34 £8,306.34 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cook LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,106.53 £8,306.34 £0.00 . This year’s annual Premium (exc IPT) £9,106.53 £8,306.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,106.53 £9,106.53 . Legal protection £8,306.34 £8,306.34 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dylan Gibbs Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 28/06/2024 £7,205.88 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: JWOIQMTN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cook LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:JWOIQMTN Name of policy holder:Cook LLC Period of insurance: From 25 May, 2020 to 17/04/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-10-27 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 25 May, 2020 Insurance details Policy number: JWOIQMTN Period of insurance: From 25 May, 2020 to 17/04/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Cook LLC Address: Studio 41B Gary mount Lake Ericfort FARNHAM S1 2PD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,606.88 Insurance Premium Tax (IPT): £567.17 Total charged premium: £7,205.88 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,606.88 Insurance Premium Tax (IPT): £567.17 Annual total: £7,205.88 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,106.53 Legal protection £100,000 £0 £8,306.34 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 25 May, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2020-10-27 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	JWOIQMTN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	25 May, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - rqo_znmfbslj_kr Company name: Thomas-Ball It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rqo_znmfbslj_kr. Company name: Thomas-Ball. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,359.63. £ 2,359.63. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Chelsea Barry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-01-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,122.09. £1,122.09. Legal protection. £7,099.38. £7,099.38. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : rqo_znmfbslj_kr Company name: Thomas-Ball . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rqo_znmfbslj_kr Company name: Thomas-Ball . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,359.63 £ 2,359.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,359.63 £ 2,359.63 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Chelsea Barry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-01-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,122.09 £1,122.09 Legal protection £7,099.38 £7,099.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-01-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,122.09 £1,122.09 Legal protection £7,099.38 £7,099.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,122.09 £7,099.38 £0.00 . This year’s annual Premium (exc IPT) £1,122.09 £7,099.38 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,122.09 £1,122.09 . Legal protection £7,099.38 £7,099.38 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Chelsea Barry Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wednesday 13 August, 2025 £2,359.63 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: rqo_znmfbslj_kr If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Thomas-Ball Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:rqo_znmfbslj_kr Name of policy holder:Thomas-Ball Period of insurance: From 2026-01-09 to 21/03/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-05-15 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2026-01-09 Insurance details Policy number: rqo_znmfbslj_kr Period of insurance: From 2026-01-09 to 21/03/24 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas-Ball Address: 526 Victoria ford New Marion FARNHAM W79 7HU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,679.28 Insurance Premium Tax (IPT): £294.93 Total charged premium: £2,359.63 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,679.28 Insurance Premium Tax (IPT): £294.93 Annual total: £2,359.63 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,122.09 Legal protection £100,000 £0 £7,099.38 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2026-01-09 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2023-05-15 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	rqo_znmfbslj_kr	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2026-01-09	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - cruntbjh-hho_mlf Company name: Harris LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : cruntbjh-hho_mlf. Company name: Harris LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 568.51. £ 568.51. The premium includes all applicable insurance premium tax (IPT). Dear Dr Hannah Allen. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/07/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,457.58. £3,457.58. Legal protection. £4,250.20. £4,250.20. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/07/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : cruntbjh-hho_mlf Company name: Harris LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : cruntbjh-hho_mlf Company name: Harris LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 568.51 £ 568.51 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 568.51 £ 568.51 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Hannah Allen . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/07/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,457.58 £3,457.58 Legal protection £4,250.20 £4,250.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/07/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/07/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,457.58 £3,457.58 Legal protection £4,250.20 £4,250.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/07/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,457.58 £4,250.20 £0.00 . This year’s annual Premium (exc IPT) £3,457.58 £4,250.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,457.58 £3,457.58 . Legal protection £4,250.20 £4,250.20 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Hannah Allen Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tue 25 June, 2024 £568.51 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: cruntbjh-hho_mlf If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Harris LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:cruntbjh-hho_mlf Name of policy holder:Harris LLC Period of insurance: From 18/07/2019 to 2020-11-27 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10 May, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18/07/2019 Insurance details Policy number: cruntbjh-hho_mlf Period of insurance: From 18/07/2019 to 2020-11-27 both days inclusive. This policy isa Continuing cover policy. Insured: Harris LLC Address: Flat 7 Barry meadows Helenmouth FARNHAM E8 8PQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,161.02 Insurance Premium Tax (IPT): £2,154.46 Total charged premium: £568.51 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,161.02 Insurance Premium Tax (IPT): £2,154.46 Annual total: £568.51 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,457.58 Legal protection £100,000 £0 £4,250.20 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/07/2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 10 May, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	cruntbjh-hho_mlf	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/07/2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 1Z9/SG/CINR//M4LOD Company name: Brown and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1Z9/SG/CINR//M4LOD. Company name: Brown and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,613.34. £ 3,613.34. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mitchell Bruce. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-05-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,664.21. £2,664.21. Legal protection. £3,211.15. £3,211.15. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-05-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 1Z9/SG/CINR//M4LOD Company name: Brown and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1Z9/SG/CINR//M4LOD Company name: Brown and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,613.34 £ 3,613.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,613.34 £ 3,613.34 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mitchell Bruce . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-05-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,664.21 £2,664.21 Legal protection £3,211.15 £3,211.15 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-05-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-05-15 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,664.21 £2,664.21 Legal protection £3,211.15 £3,211.15 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-05-15 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,664.21 £3,211.15 £0.00 . This year’s annual Premium (exc IPT) £2,664.21 £3,211.15 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,664.21 £2,664.21 . Legal protection £3,211.15 £3,211.15 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mitchell Bruce Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 07 January, 2022 £3,613.34 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 1Z9/SG/CINR//M4LOD If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brown and Sons Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:1Z9/SG/CINR//M4LOD Name of policy holder:Brown and Sons Period of insurance: From 2025-05-15 to Fri 14 October, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-02-22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-05-15 Insurance details Policy number: 1Z9/SG/CINR//M4LOD Period of insurance: From 2025-05-15 to Fri 14 October, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Brown and Sons Address: 563 Beth ville South Dylanside FARNHAM RM62 4WH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,774.03 Insurance Premium Tax (IPT): £2,206.70 Total charged premium: £3,613.34 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,774.03 Insurance Premium Tax (IPT): £2,206.70 Annual total: £3,613.34 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,664.21 Legal protection £100,000 £0 £3,211.15 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-05-15 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2025-02-22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	1Z9/SG/CINR//M4LOD	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-05-15	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 0H4OA8U9A/UUIIJ3 Company name: Riley Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0H4OA8U9A/UUIIJ3. Company name: Riley Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,114.78. £ 8,114.78. The premium includes all applicable insurance premium tax (IPT). Dear Dr Jemma Whitehouse. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,376.96. £6,376.96. Legal protection. £5,344.51. £5,344.51. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 0H4OA8U9A/UUIIJ3 Company name: Riley Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0H4OA8U9A/UUIIJ3 Company name: Riley Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,114.78 £ 8,114.78 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,114.78 £ 8,114.78 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Jemma Whitehouse . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,376.96 £6,376.96 Legal protection £5,344.51 £5,344.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 02 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,376.96 £6,376.96 Legal protection £5,344.51 £5,344.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 02 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,376.96 £5,344.51 £0.00 . This year’s annual Premium (exc IPT) £6,376.96 £5,344.51 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,376.96 £6,376.96 . Legal protection £5,344.51 £5,344.51 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jemma Whitehouse Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14/11/2024 £8,114.78 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 0H4OA8U9A/UUIIJ3 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Riley Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:0H4OA8U9A/UUIIJ3 Name of policy holder:Riley Inc Period of insurance: From Friday 02 August, 2019 to 12 October, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 20 November, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Friday 02 August, 2019 Insurance details Policy number: 0H4OA8U9A/UUIIJ3 Period of insurance: From Friday 02 August, 2019 to 12 October, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Riley Inc Address: Studio 8 Edwards circles Shirleyport FARNHAM L4 0YH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,905.58 Insurance Premium Tax (IPT): £4,744.94 Total charged premium: £8,114.78 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,905.58 Insurance Premium Tax (IPT): £4,744.94 Annual total: £8,114.78 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,376.96 Legal protection £100,000 £0 £5,344.51 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 02 August, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wednesday 20 November, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	0H4OA8U9A/UUIIJ3	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Friday 02 August, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - snscolmwuu Company name: Chadwick PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : snscolmwuu. Company name: Chadwick PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,562.85. £ 2,562.85. The premium includes all applicable insurance premium tax (IPT). Dear Dr Justin Morris. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,593.69. £6,593.69. Legal protection. £6,848.55. £6,848.55. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chadwick PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : snscolmwuu Company name: Chadwick PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : snscolmwuu Company name: Chadwick PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,562.85 £ 2,562.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,562.85 £ 2,562.85 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Justin Morris . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,593.69 £6,593.69 Legal protection £6,848.55 £6,848.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chadwick PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,593.69 £6,593.69 Legal protection £6,848.55 £6,848.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chadwick PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,593.69 £6,848.55 £0.00 . This year’s annual Premium (exc IPT) £6,593.69 £6,848.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,593.69 £6,593.69 . Legal protection £6,848.55 £6,848.55 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Justin Morris Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 17 October, 2025 £2,562.85 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: snscolmwuu If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Chadwick PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:snscolmwuu Name of policy holder:Chadwick PLC Period of insurance: From 16/01/2024 to 04/11/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10/01/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/01/2024 Insurance details Policy number: snscolmwuu Period of insurance: From 16/01/2024 to 04/11/25 both days inclusive. This policy isa Continuing cover policy. Insured: Chadwick PLC Address: Flat 67o Ronald spurs East Donna FARNHAM S93 5YF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,610.84 Insurance Premium Tax (IPT): £641.80 Total charged premium: £2,562.85 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,610.84 Insurance Premium Tax (IPT): £641.80 Annual total: £2,562.85 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,593.69 Legal protection £100,000 £0 £6,848.55 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/01/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 10/01/24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	snscolmwuu	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/01/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - MP/QH_YLJ4LXY_M5 Company name: Cross-Williams It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MP/QH_YLJ4LXY_M5. Company name: Cross-Williams. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,174.79. £ 3,174.79. The premium includes all applicable insurance premium tax (IPT). Dear Mr Alexandra Lewis-Simpson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/01/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,763.87. £8,763.87. Legal protection. £6,115.79. £6,115.79. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/01/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : MP/QH_YLJ4LXY_M5 Company name: Cross-Williams . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MP/QH_YLJ4LXY_M5 Company name: Cross-Williams . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,174.79 £ 3,174.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,174.79 £ 3,174.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Alexandra Lewis-Simpson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/01/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,763.87 £8,763.87 Legal protection £6,115.79 £6,115.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/01/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/01/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,763.87 £8,763.87 Legal protection £6,115.79 £6,115.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/01/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,763.87 £6,115.79 £0.00 . This year’s annual Premium (exc IPT) £8,763.87 £6,115.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,763.87 £8,763.87 . Legal protection £6,115.79 £6,115.79 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Alexandra Lewis-Simpson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 27/01/25 £3,174.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: MP/QH_YLJ4LXY_M5 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cross-Williams Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:MP/QH_YLJ4LXY_M5 Name of policy holder:Cross-Williams Period of insurance: From 20/01/2023 to Wed 18 June, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2026-01-23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 20/01/2023 Insurance details Policy number: MP/QH_YLJ4LXY_M5 Period of insurance: From 20/01/2023 to Wed 18 June, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Cross-Williams Address: Studio 32h Brooks cape Lake Malcolmshire FARNHAM SE54 6QE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,561.74 Insurance Premium Tax (IPT): £5,535.67 Total charged premium: £3,174.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,561.74 Insurance Premium Tax (IPT): £5,535.67 Annual total: £3,174.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,763.87 Legal protection £100,000 £0 £6,115.79 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 20/01/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2026-01-23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	MP/QH_YLJ4LXY_M5	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	20/01/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - ADBYDTQCEGZXY Company name: Iqbal, Day and Marshall It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ADBYDTQCEGZXY. Company name: Iqbal, Day and Marshall. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,009.36. £ 7,009.36. The premium includes all applicable insurance premium tax (IPT). Dear Dr Clifford Parkinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-02-05 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,169.38. £6,169.38. Legal protection. £3,387.06. £3,387.06. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Iqbal, Day and Marshall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-02-05 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ADBYDTQCEGZXY Company name: Iqbal, Day and Marshall . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ADBYDTQCEGZXY Company name: Iqbal, Day and Marshall . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,009.36 £ 7,009.36 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,009.36 £ 7,009.36 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Clifford Parkinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-02-05 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,169.38 £6,169.38 Legal protection £3,387.06 £3,387.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Iqbal, Day and Marshall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-02-05 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-02-05 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,169.38 £6,169.38 Legal protection £3,387.06 £3,387.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Iqbal, Day and Marshall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2020-02-05 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,169.38 £3,387.06 £0.00 . This year’s annual Premium (exc IPT) £6,169.38 £3,387.06 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,169.38 £6,169.38 . Legal protection £3,387.06 £3,387.06 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Clifford Parkinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 30/06/2020 £7,009.36 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ADBYDTQCEGZXY If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Iqbal, Day and Marshall Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ADBYDTQCEGZXY Name of policy holder:Iqbal, Day and Marshall Period of insurance: From 2020-02-05 to Sunday 01 September, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 03 September, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2020-02-05 Insurance details Policy number: ADBYDTQCEGZXY Period of insurance: From 2020-02-05 to Sunday 01 September, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Iqbal, Day and Marshall Address: 785 Thomas islands Harrisonchester FARNHAM PR23 6WD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,449.64 Insurance Premium Tax (IPT): £4,871.77 Total charged premium: £7,009.36 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,449.64 Insurance Premium Tax (IPT): £4,871.77 Annual total: £7,009.36 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,169.38 Legal protection £100,000 £0 £3,387.06 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2020-02-05 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Tue 03 September, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	ADBYDTQCEGZXY	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2020-02-05	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - qobhoax.muzgr Company name: Walker, Lucas and Bevan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qobhoax.muzgr. Company name: Walker, Lucas and Bevan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,584.05. £ 5,584.05. The premium includes all applicable insurance premium tax (IPT). Dear Dr William Atkinson-Welch. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 April, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,597.06. £3,597.06. Legal protection. £5,738.37. £5,738.37. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Lucas and Bevan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 April, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : qobhoax.muzgr Company name: Walker, Lucas and Bevan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qobhoax.muzgr Company name: Walker, Lucas and Bevan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,584.05 £ 5,584.05 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,584.05 £ 5,584.05 . The premium includes all applicable insurance premium tax (IPT). Dear Dr William Atkinson-Welch . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 April, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,597.06 £3,597.06 Legal protection £5,738.37 £5,738.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Lucas and Bevan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 April, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 April, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,597.06 £3,597.06 Legal protection £5,738.37 £5,738.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walker, Lucas and Bevan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18 April, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,597.06 £5,738.37 £0.00 . This year’s annual Premium (exc IPT) £3,597.06 £5,738.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,597.06 £3,597.06 . Legal protection £5,738.37 £5,738.37 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: William Atkinson-Welch Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 09/09/24 £5,584.05 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: qobhoax.muzgr If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walker, Lucas and Bevan Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:qobhoax.muzgr Name of policy holder:Walker, Lucas and Bevan Period of insurance: From 18 April, 2023 to Sun 05 April, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/02/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18 April, 2023 Insurance details Policy number: qobhoax.muzgr Period of insurance: From 18 April, 2023 to Sun 05 April, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Walker, Lucas and Bevan Address: Studio 09 Rice ridge Spencerbury FARNHAM M87 5LZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,661.65 Insurance Premium Tax (IPT): £1,502.93 Total charged premium: £5,584.05 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,661.65 Insurance Premium Tax (IPT): £1,502.93 Annual total: £5,584.05 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,597.06 Legal protection £100,000 £0 £5,738.37 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18 April, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 17/02/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	qobhoax.muzgr	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18 April, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - E4BRJDW Company name: Brooks Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E4BRJDW. Company name: Brooks Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,499.31. £ 5,499.31. The premium includes all applicable insurance premium tax (IPT). Dear Ms Jean Coates-Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 24 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,370.85. £5,370.85. Legal protection. £8,643.62. £8,643.62. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brooks Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 24 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : E4BRJDW Company name: Brooks Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E4BRJDW Company name: Brooks Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,499.31 £ 5,499.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,499.31 £ 5,499.31 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Jean Coates-Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 24 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,370.85 £5,370.85 Legal protection £8,643.62 £8,643.62 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brooks Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 24 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 24 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,370.85 £5,370.85 Legal protection £8,643.62 £8,643.62 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brooks Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 24 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,370.85 £8,643.62 £0.00 . This year’s annual Premium (exc IPT) £5,370.85 £8,643.62 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,370.85 £5,370.85 . Legal protection £8,643.62 £8,643.62 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jean Coates-Brown Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/01/25 £5,499.31 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: E4BRJDW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brooks Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:E4BRJDW Name of policy holder:Brooks Group Period of insurance: From Monday 24 February, 2025 to Wed 19 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/07/2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 24 February, 2025 Insurance details Policy number: E4BRJDW Period of insurance: From Monday 24 February, 2025 to Wed 19 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Brooks Group Address: 92 Annette dam West Lydia FARNHAM M3 4BG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £85.44 Insurance Premium Tax (IPT): £5,561.48 Total charged premium: £5,499.31 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £85.44 Insurance Premium Tax (IPT): £5,561.48 Annual total: £5,499.31 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,370.85 Legal protection £100,000 £0 £8,643.62 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 24 February, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 18/07/2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	E4BRJDW	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 24 February, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - bgc.aufik-uslsueuj- Company name: Green PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : bgc.aufik-uslsueuj-. Company name: Green PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,071.19. £ 5,071.19. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Darren Knight. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-03-12 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,346.32. £3,346.32. Legal protection. £6,078.04. £6,078.04. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Green PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-03-12 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : bgc.aufik-uslsueuj- Company name: Green PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : bgc.aufik-uslsueuj- Company name: Green PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,071.19 £ 5,071.19 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,071.19 £ 5,071.19 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Darren Knight . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-03-12 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,346.32 £3,346.32 Legal protection £6,078.04 £6,078.04 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Green PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-03-12 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-03-12 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,346.32 £3,346.32 Legal protection £6,078.04 £6,078.04 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Green PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-03-12 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,346.32 £6,078.04 £0.00 . This year’s annual Premium (exc IPT) £3,346.32 £6,078.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,346.32 £3,346.32 . Legal protection £6,078.04 £6,078.04 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Darren Knight Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21 April, 2022 £5,071.19 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: bgc.aufik-uslsueuj- If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Green PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:bgc.aufik-uslsueuj- Name of policy holder:Green PLC Period of insurance: From 2019-03-12 to 08 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/05/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2019-03-12 Insurance details Policy number: bgc.aufik-uslsueuj- Period of insurance: From 2019-03-12 to 08 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Green PLC Address: 948 Campbell crossroad Whiteheadside FARNHAM W1B 3DT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,382.57 Insurance Premium Tax (IPT): £1,349.59 Total charged premium: £5,071.19 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,382.57 Insurance Premium Tax (IPT): £1,349.59 Annual total: £5,071.19 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,346.32 Legal protection £100,000 £0 £6,078.04 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2019-03-12 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 24/05/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	bgc.aufik-uslsueuj-	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2019-03-12	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - gayfhwj-flloxqey_ma-wb_ Company name: Edwards Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gayfhwj-flloxqey_ma-wb_. Company name: Edwards Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,046.14. £ 1,046.14. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Beverley Cox-Bond. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,752.61. £1,752.61. Legal protection. £5,869.51. £5,869.51. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Edwards Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : gayfhwj-flloxqey_ma-wb_ Company name: Edwards Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gayfhwj-flloxqey_ma-wb_ Company name: Edwards Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,046.14 £ 1,046.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,046.14 £ 1,046.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Beverley Cox-Bond . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,752.61 £1,752.61 Legal protection £5,869.51 £5,869.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Edwards Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,752.61 £1,752.61 Legal protection £5,869.51 £5,869.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Edwards Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,752.61 £5,869.51 £0.00 . This year’s annual Premium (exc IPT) £1,752.61 £5,869.51 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,752.61 £1,752.61 . Legal protection £5,869.51 £5,869.51 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Beverley Cox-Bond Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 10 February, 2019 £1,046.14 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: gayfhwj-flloxqey_ma-wb_ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Edwards Inc Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:gayfhwj-flloxqey_ma-wb_ Name of policy holder:Edwards Inc Period of insurance: From 25/05/25 to 17 September, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 18 December, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 25/05/25 Insurance details Policy number: gayfhwj-flloxqey_ma-wb_ Period of insurance: From 25/05/25 to 17 September, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Edwards Inc Address: 540 Tina skyway South Lynda FARNHAM DE9P 6SJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,599.19 Insurance Premium Tax (IPT): £4,744.93 Total charged premium: £1,046.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,599.19 Insurance Premium Tax (IPT): £4,744.93 Annual total: £1,046.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,752.61 Legal protection £100,000 £0 £5,869.51 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 25/05/25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 18 December, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	gayfhwj-flloxqey_ma-wb_	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	25/05/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - gkuvwq. Company name: Bradley Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gkuvwq.. Company name: Bradley Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,898.35. £ 4,898.35. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Brett Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £627.55. £627.55. Legal protection. £5,343.48. £5,343.48. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : gkuvwq. Company name: Bradley Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gkuvwq. Company name: Bradley Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,898.35 £ 4,898.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,898.35 £ 4,898.35 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Brett Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £627.55 £627.55 Legal protection £5,343.48 £5,343.48 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/10/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £627.55 £627.55 Legal protection £5,343.48 £5,343.48 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/10/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £627.55 £5,343.48 £0.00 . This year’s annual Premium (exc IPT) £627.55 £5,343.48 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £627.55 £627.55 . Legal protection £5,343.48 £5,343.48 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Brett Davies Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 27 November, 2024 £4,898.35 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: gkuvwq. If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bradley Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:gkuvwq. Name of policy holder:Bradley Group Period of insurance: From 21/10/2019 to Friday 24 July, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 05 February, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 21/10/2019 Insurance details Policy number: gkuvwq. Period of insurance: From 21/10/2019 to Friday 24 July, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Bradley Group Address: 8 Phillip skyway North Glennland FARNHAM TW45 0UX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,444.95 Insurance Premium Tax (IPT): £2,425.86 Total charged premium: £4,898.35 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,444.95 Insurance Premium Tax (IPT): £2,425.86 Annual total: £4,898.35 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £627.55 Legal protection £100,000 £0 £5,343.48 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/10/2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Monday 05 February, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	gkuvwq.	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21/10/2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 4VE/BGC8_MIN5 Company name: Stevens-Wells It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4VE/BGC8_MIN5. Company name: Stevens-Wells. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,405.33. £ 5,405.33. The premium includes all applicable insurance premium tax (IPT). Dear Mr Bethan Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/09/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,963.43. £8,963.43. Legal protection. £1,751.66. £1,751.66. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/09/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 4VE/BGC8_MIN5 Company name: Stevens-Wells . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4VE/BGC8_MIN5 Company name: Stevens-Wells . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,405.33 £ 5,405.33 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,405.33 £ 5,405.33 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Bethan Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/09/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,963.43 £8,963.43 Legal protection £1,751.66 £1,751.66 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/09/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/09/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,963.43 £8,963.43 Legal protection £1,751.66 £1,751.66 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/09/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,963.43 £1,751.66 £0.00 . This year’s annual Premium (exc IPT) £8,963.43 £1,751.66 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,963.43 £8,963.43 . Legal protection £1,751.66 £1,751.66 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Bethan Jones Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 30 October, 2022 £5,405.33 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 4VE/BGC8_MIN5 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stevens-Wells Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:4VE/BGC8_MIN5 Name of policy holder:Stevens-Wells Period of insurance: From 19/09/2021 to Thursday 04 December, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28/09/2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 19/09/2021 Insurance details Policy number: 4VE/BGC8_MIN5 Period of insurance: From 19/09/2021 to Thursday 04 December, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Stevens-Wells Address: 556 Walker extension West Terry FARNHAM L6G 5SF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,119.25 Insurance Premium Tax (IPT): £7,341.58 Total charged premium: £5,405.33 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,119.25 Insurance Premium Tax (IPT): £7,341.58 Annual total: £5,405.33 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,963.43 Legal protection £100,000 £0 £1,751.66 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 19/09/2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 28/09/2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	4VE/BGC8_MIN5	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	19/09/2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 5G8Q.BXM3S4.H/0-Y15/U88 Company name: Gray Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5G8Q.BXM3S4.H/0-Y15/U88. Company name: Gray Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,924.36. £ 6,924.36. The premium includes all applicable insurance premium tax (IPT). Dear Ms James Begum. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,396.31. £1,396.31. Legal protection. £4,337.89. £4,337.89. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gray Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5G8Q.BXM3S4.H/0-Y15/U88 Company name: Gray Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5G8Q.BXM3S4.H/0-Y15/U88 Company name: Gray Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,924.36 £ 6,924.36 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,924.36 £ 6,924.36 . The premium includes all applicable insurance premium tax (IPT). Dear Ms James Begum . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,396.31 £1,396.31 Legal protection £4,337.89 £4,337.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gray Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 12 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,396.31 £1,396.31 Legal protection £4,337.89 £4,337.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gray Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 12 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,396.31 £4,337.89 £0.00 . This year’s annual Premium (exc IPT) £1,396.31 £4,337.89 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,396.31 £1,396.31 . Legal protection £4,337.89 £4,337.89 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: James Begum Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 06/12/2020 £6,924.36 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5G8Q.BXM3S4.H/0-Y15/U88 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gray Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5G8Q.BXM3S4.H/0-Y15/U88 Name of policy holder:Gray Group Period of insurance: From Sun 12 February, 2023 to 09 June, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 07 March, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sun 12 February, 2023 Insurance details Policy number: 5G8Q.BXM3S4.H/0-Y15/U88 Period of insurance: From Sun 12 February, 2023 to 09 June, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Gray Group Address: 008 Kelly wall West Charles FARNHAM CB3H 7LX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,045.35 Insurance Premium Tax (IPT): £8,192.02 Total charged premium: £6,924.36 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,045.35 Insurance Premium Tax (IPT): £8,192.02 Annual total: £6,924.36 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,396.31 Legal protection £100,000 £0 £4,337.89 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sun 12 February, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 07 March, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5G8Q.BXM3S4.H/0-Y15/U88	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sun 12 February, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - qtqwfxncauumh_tabc Company name: Fox PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qtqwfxncauumh_tabc. Company name: Fox PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,321.44. £ 4,321.44. The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Elaine Hussain. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 26 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £546.27. £546.27. Legal protection. £7,020.23. £7,020.23. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fox PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 26 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : qtqwfxncauumh_tabc Company name: Fox PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qtqwfxncauumh_tabc Company name: Fox PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,321.44 £ 4,321.44 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,321.44 £ 4,321.44 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Elaine Hussain . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 26 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £546.27 £546.27 Legal protection £7,020.23 £7,020.23 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fox PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 26 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 26 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £546.27 £546.27 Legal protection £7,020.23 £7,020.23 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fox PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 26 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £546.27 £7,020.23 £0.00 . This year’s annual Premium (exc IPT) £546.27 £7,020.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £546.27 £546.27 . Legal protection £7,020.23 £7,020.23 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Elaine Hussain Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 03 January, 2026 £4,321.44 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: qtqwfxncauumh_tabc If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Fox PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:qtqwfxncauumh_tabc Name of policy holder:Fox PLC Period of insurance: From Friday 26 April, 2024 to 10 March, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05/07/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Friday 26 April, 2024 Insurance details Policy number: qtqwfxncauumh_tabc Period of insurance: From Friday 26 April, 2024 to 10 March, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Fox PLC Address: 202 Martin light Hawkinshaven FARNHAM E3J 5QY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,084.36 Insurance Premium Tax (IPT): £5,227.92 Total charged premium: £4,321.44 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,084.36 Insurance Premium Tax (IPT): £5,227.92 Annual total: £4,321.44 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £546.27 Legal protection £100,000 £0 £7,020.23 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 26 April, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 05/07/23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	qtqwfxncauumh_tabc	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Friday 26 April, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - 6CCF6.TDF/SA_AAM6A Company name: Benson-Hughes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6CCF6.TDF/SA_AAM6A. Company name: Benson-Hughes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 535.17. £ 535.17. The premium includes all applicable insurance premium tax (IPT). Dear Mr Amber Bennett. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,588.24. £2,588.24. Legal protection. £2,742.71. £2,742.71. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Benson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6CCF6.TDF/SA_AAM6A Company name: Benson-Hughes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6CCF6.TDF/SA_AAM6A Company name: Benson-Hughes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 535.17 £ 535.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 535.17 £ 535.17 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Amber Bennett . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,588.24 £2,588.24 Legal protection £2,742.71 £2,742.71 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Benson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,588.24 £2,588.24 Legal protection £2,742.71 £2,742.71 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Benson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,588.24 £2,742.71 £0.00 . This year’s annual Premium (exc IPT) £2,588.24 £2,742.71 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,588.24 £2,588.24 . Legal protection £2,742.71 £2,742.71 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Amber Bennett Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2025-05-13 £535.17 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6CCF6.TDF/SA_AAM6A If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Benson-Hughes Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6CCF6.TDF/SA_AAM6A Name of policy holder:Benson-Hughes Period of insurance: From 06 November, 2022 to 07/05/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 17 August, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 06 November, 2022 Insurance details Policy number: 6CCF6.TDF/SA_AAM6A Period of insurance: From 06 November, 2022 to 07/05/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Benson-Hughes Address: Studio 30 Vanessa viaduct Derekstad FARNHAM BL0V 9FR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,892.63 Insurance Premium Tax (IPT): £9,398.79 Total charged premium: £535.17 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,892.63 Insurance Premium Tax (IPT): £9,398.79 Annual total: £535.17 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,588.24 Legal protection £100,000 £0 £2,742.71 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 06 November, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Saturday 17 August, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6CCF6.TDF/SA_AAM6A	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	06 November, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - TW/K/XZWLW.JWJHZTA Company name: Thomas Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TW/K/XZWLW.JWJHZTA. Company name: Thomas Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,267.79. £ 9,267.79. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kate James. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,082.34. £8,082.34. Legal protection. £3,714.08. £3,714.08. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : TW/K/XZWLW.JWJHZTA Company name: Thomas Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TW/K/XZWLW.JWJHZTA Company name: Thomas Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,267.79 £ 9,267.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,267.79 £ 9,267.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kate James . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,082.34 £8,082.34 Legal protection £3,714.08 £3,714.08 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,082.34 £8,082.34 Legal protection £3,714.08 £3,714.08 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Thomas Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,082.34 £3,714.08 £0.00 . This year’s annual Premium (exc IPT) £8,082.34 £3,714.08 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,082.34 £8,082.34 . Legal protection £3,714.08 £3,714.08 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kate James Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 10/01/2026 £9,267.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: TW/K/XZWLW.JWJHZTA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Thomas Group Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:TW/K/XZWLW.JWJHZTA Name of policy holder:Thomas Group Period of insurance: From 2024-03-29 to 23/02/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08 July, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-03-29 Insurance details Policy number: TW/K/XZWLW.JWJHZTA Period of insurance: From 2024-03-29 to 23/02/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas Group Address: Studio 68 Ali ports Hughesmouth FARNHAM S2 1LF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,045.95 Insurance Premium Tax (IPT): £5,527.74 Total charged premium: £9,267.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,045.95 Insurance Premium Tax (IPT): £5,527.74 Annual total: £9,267.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,082.34 Legal protection £100,000 £0 £3,714.08 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-03-29 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 08 July, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	TW/K/XZWLW.JWJHZTA	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-03-29	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - p-sogzwlwkl Company name: Nicholls Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : p-sogzwlwkl. Company name: Nicholls Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,904.92. £ 4,904.92. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Andrew Wilkinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,327.96. £1,327.96. Legal protection. £8,622.00. £8,622.00. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholls Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : p-sogzwlwkl Company name: Nicholls Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : p-sogzwlwkl Company name: Nicholls Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,904.92 £ 4,904.92 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,904.92 £ 4,904.92 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Andrew Wilkinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,327.96 £1,327.96 Legal protection £8,622.00 £8,622.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholls Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,327.96 £1,327.96 Legal protection £8,622.00 £8,622.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholls Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,327.96 £8,622.00 £0.00 . This year’s annual Premium (exc IPT) £1,327.96 £8,622.00 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,327.96 £1,327.96 . Legal protection £8,622.00 £8,622.00 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Andrew Wilkinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 05 September, 2019 £4,904.92 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: p-sogzwlwkl If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Nicholls Ltd Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:p-sogzwlwkl Name of policy holder:Nicholls Ltd Period of insurance: From 09/09/2023 to Sat 19 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03 March, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 09/09/2023 Insurance details Policy number: p-sogzwlwkl Period of insurance: From 09/09/2023 to Sat 19 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Nicholls Ltd Address: 16 Lesley shoal New Patricia FARNHAM M05 9FQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,545.13 Insurance Premium Tax (IPT): £3,962.05 Total charged premium: £4,904.92 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,545.13 Insurance Premium Tax (IPT): £3,962.05 Annual total: £4,904.92 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,327.96 Legal protection £100,000 £0 £8,622.00 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 09/09/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 03 March, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	p-sogzwlwkl	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	09/09/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - F/FZ.WJE0YRZ34 Company name: Lee-Pearce It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F/FZ.WJE0YRZ34. Company name: Lee-Pearce. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,161.02. £ 2,161.02. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Georgia Harvey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 02 June, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,872.91. £6,872.91. Legal protection. £3,493.59. £3,493.59. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lee-Pearce , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 02 June, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : F/FZ.WJE0YRZ34 Company name: Lee-Pearce . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F/FZ.WJE0YRZ34 Company name: Lee-Pearce . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,161.02 £ 2,161.02 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,161.02 £ 2,161.02 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Georgia Harvey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 02 June, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,872.91 £6,872.91 Legal protection £3,493.59 £3,493.59 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lee-Pearce , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 02 June, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 02 June, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,872.91 £6,872.91 Legal protection £3,493.59 £3,493.59 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lee-Pearce , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 02 June, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,872.91 £3,493.59 £0.00 . This year’s annual Premium (exc IPT) £6,872.91 £3,493.59 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,872.91 £6,872.91 . Legal protection £3,493.59 £3,493.59 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Georgia Harvey Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 12 January, 2022 £2,161.02 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: F/FZ.WJE0YRZ34 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lee-Pearce Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:F/FZ.WJE0YRZ34 Name of policy holder:Lee-Pearce Period of insurance: From Fri 02 June, 2023 to 28/03/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02 June, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Fri 02 June, 2023 Insurance details Policy number: F/FZ.WJE0YRZ34 Period of insurance: From Fri 02 June, 2023 to 28/03/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Lee-Pearce Address: 7 Berry motorway West Philip FARNHAM L3H 9AL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,248.88 Insurance Premium Tax (IPT): £3,675.28 Total charged premium: £2,161.02 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,248.88 Insurance Premium Tax (IPT): £3,675.28 Annual total: £2,161.02 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,872.91 Legal protection £100,000 £0 £3,493.59 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Fri 02 June, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 02 June, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	F/FZ.WJE0YRZ34	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Fri 02 June, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - AJOWH-L/HPZ.YEIJW.ZO Company name: Mistry, Ahmed and Hudson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AJOWH-L/HPZ.YEIJW.ZO. Company name: Mistry, Ahmed and Hudson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 209.14. £ 209.14. The premium includes all applicable insurance premium tax (IPT). Dear Ms Lee Singh. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,934.43. £8,934.43. Legal protection. £9,494.57. £9,494.57. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mistry, Ahmed and Hudson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : AJOWH-L/HPZ.YEIJW.ZO Company name: Mistry, Ahmed and Hudson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AJOWH-L/HPZ.YEIJW.ZO Company name: Mistry, Ahmed and Hudson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 209.14 £ 209.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 209.14 £ 209.14 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Lee Singh . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,934.43 £8,934.43 Legal protection £9,494.57 £9,494.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mistry, Ahmed and Hudson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,934.43 £8,934.43 Legal protection £9,494.57 £9,494.57 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mistry, Ahmed and Hudson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,934.43 £9,494.57 £0.00 . This year’s annual Premium (exc IPT) £8,934.43 £9,494.57 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,934.43 £8,934.43 . Legal protection £9,494.57 £9,494.57 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Lee Singh Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-01-21 £209.14 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: AJOWH-L/HPZ.YEIJW.ZO If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mistry, Ahmed and Hudson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:AJOWH-L/HPZ.YEIJW.ZO Name of policy holder:Mistry, Ahmed and Hudson Period of insurance: From 23/02/20 to 2025-05-20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16 June, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 23/02/20 Insurance details Policy number: AJOWH-L/HPZ.YEIJW.ZO Period of insurance: From 23/02/20 to 2025-05-20 both days inclusive. This policy isa Continuing cover policy. Insured: Mistry, Ahmed and Hudson Address: 99 Roy grove Woodhaven FARNHAM G1 4JA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,161.01 Insurance Premium Tax (IPT): £9,487.25 Total charged premium: £209.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,161.01 Insurance Premium Tax (IPT): £9,487.25 Annual total: £209.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,934.43 Legal protection £100,000 £0 £9,494.57 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 23/02/20 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 16 June, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	AJOWH-L/HPZ.YEIJW.ZO	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	23/02/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - NNCQJIFPEWO Company name: Anderson-Hughes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NNCQJIFPEWO. Company name: Anderson-Hughes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,507.64. £ 6,507.64. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Wayne Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,292.78. £8,292.78. Legal protection. £9,630.55. £9,630.55. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : NNCQJIFPEWO Company name: Anderson-Hughes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NNCQJIFPEWO Company name: Anderson-Hughes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,507.64 £ 6,507.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,507.64 £ 6,507.64 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Wayne Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,292.78 £8,292.78 Legal protection £9,630.55 £9,630.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,292.78 £8,292.78 Legal protection £9,630.55 £9,630.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,292.78 £9,630.55 £0.00 . This year’s annual Premium (exc IPT) £8,292.78 £9,630.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,292.78 £8,292.78 . Legal protection £9,630.55 £9,630.55 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Wayne Davies Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 10 April, 2025 £6,507.64 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: NNCQJIFPEWO If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Anderson-Hughes Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:NNCQJIFPEWO Name of policy holder:Anderson-Hughes Period of insurance: From 2021-08-16 to Fri 29 May, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 09 August, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-08-16 Insurance details Policy number: NNCQJIFPEWO Period of insurance: From 2021-08-16 to Fri 29 May, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Anderson-Hughes Address: 4 Dylan lodge East Jane FARNHAM PL9 0BJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,527.94 Insurance Premium Tax (IPT): £4,074.28 Total charged premium: £6,507.64 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,527.94 Insurance Premium Tax (IPT): £4,074.28 Annual total: £6,507.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,292.78 Legal protection £100,000 £0 £9,630.55 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-08-16 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 09 August, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	NNCQJIFPEWO	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-08-16	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-2	Hiscox Business Insurance - Policy number - zgtjqrcmg-ko-hhverewybi Company name: Taylor and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zgtjqrcmg-ko-hhverewybi. Company name: Taylor and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,717.73. £ 8,717.73. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Ian Bolton-Reynolds. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/10/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,594.48. £5,594.48. Legal protection. £1,961.61. £1,961.61. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : zgtjqrcmg-ko-hhverewybi Company name: Taylor and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zgtjqrcmg-ko-hhverewybi Company name: Taylor and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,717.73 £ 8,717.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,717.73 £ 8,717.73 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Ian Bolton-Reynolds . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/10/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,594.48 £5,594.48 Legal protection £1,961.61 £1,961.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/10/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,594.48 £5,594.48 Legal protection £1,961.61 £1,961.61 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,594.48 £1,961.61 £0.00 . This year’s annual Premium (exc IPT) £5,594.48 £1,961.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,594.48 £5,594.48 . Legal protection £1,961.61 £1,961.61 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ian Bolton-Reynolds Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 19 May, 2023 £8,717.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: zgtjqrcmg-ko-hhverewybi If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Taylor and Sons Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:zgtjqrcmg-ko-hhverewybi Name of policy holder:Taylor and Sons Period of insurance: From 11/10/2022 to 18/11/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 04 June, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 11/10/2022 Insurance details Policy number: zgtjqrcmg-ko-hhverewybi Period of insurance: From 11/10/2022 to 18/11/24 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor and Sons Address: Studio 09k Lucy fork New Robin FARNHAM W82 9GG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,416.60 Insurance Premium Tax (IPT): £2,544.45 Total charged premium: £8,717.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,416.60 Insurance Premium Tax (IPT): £2,544.45 Annual total: £8,717.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,594.48 Legal protection £100,000 £0 £1,961.61 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 11/10/2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Saturday 04 June, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	zgtjqrcmg-ko-hhverewybi	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	11/10/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05

Subsets and Splits

No community queries yet

The top public SQL queries from the community will appear here once available.