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Hiscox Business Insurance - Policy number - EUK/MJKA/R5G Company name: Ferguson, Field and Johnston It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EUK/MJKA/R5G. Company name: Ferguson, Field and Johnston. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 529.10. £ 529.10. The premium includes all applicable insurance premium tax (IPT). Dear Mr Jill Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/03/23 . 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. £179.41. £179.41. Legal protection. £7,665.69. £7,665.69. 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 Ferguson, Field and Johnston , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/03/23 . 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 : EUK/MJKA/R5G Company name: Ferguson, Field and Johnston . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EUK/MJKA/R5G Company name: Ferguson, Field and Johnston . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 529.10 £ 529.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 529.10 £ 529.10 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Jill Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/03/23 . 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 £179.41 £179.41 Legal protection £7,665.69 £7,665.69 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 Ferguson, Field and Johnston , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/03/23 . 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 24/03/23 . 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 £179.41 £179.41 Legal protection £7,665.69 £7,665.69 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 Ferguson, Field and Johnston , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/03/23 . 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) £179.41 £7,665.69 £0.00 . This year’s annual Premium (exc IPT) £179.41 £7,665.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £179.41 £179.41 . Legal protection £7,665.69 £7,665.69 . 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: Jill Williams 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 2025-03-25 £529.10 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: EUK/MJKA/R5G 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 Ferguson, Field and Johnston Hiscox Underwriting 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:EUK/MJKA/R5G Name of policy holder:Ferguson, Field and Johnston Period of insurance: From 24/03/23 to Sat 31 August, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 02 February, 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: 24/03/23 Insurance details Policy number: EUK/MJKA/R5G Period of insurance: From 24/03/23 to Sat 31 August, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Ferguson, Field and Johnston Address: Flat 55 Mohammad hills North Zoe FARNHAM G6 9ZR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,923.75 Insurance Premium Tax (IPT): £1,987.70 Total charged premium: £529.10 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: £9,923.75 Insurance Premium Tax (IPT): £1,987.70 Annual total: £529.10 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 £179.41 Legal protection £100,000 £0 £7,665.69 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: 24/03/23 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 Sun 02 February, 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
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EUK/MJKA/R5G
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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24/03/23
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - w_tvp_clflet Company name: Howe-Whitehead It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : w_tvp_clflet. Company name: Howe-Whitehead. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,830.64. £ 8,830.64. The premium includes all applicable insurance premium tax (IPT). Dear Dr Douglas Cooper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09 May, 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. £2,355.76. £2,355.76. Legal protection. £5,371.23. £5,371.23. 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 Howe-Whitehead , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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 : w_tvp_clflet Company name: Howe-Whitehead . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : w_tvp_clflet Company name: Howe-Whitehead . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,830.64 £ 8,830.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,830.64 £ 8,830.64 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Douglas Cooper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09 May, 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 £2,355.76 £2,355.76 Legal protection £5,371.23 £5,371.23 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 Howe-Whitehead , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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 09 May, 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 £2,355.76 £2,355.76 Legal protection £5,371.23 £5,371.23 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 Howe-Whitehead , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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) £2,355.76 £5,371.23 £0.00 . This year’s annual Premium (exc IPT) £2,355.76 £5,371.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,355.76 £2,355.76 . Legal protection £5,371.23 £5,371.23 . 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: Douglas 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 Wed 18 June, 2025 £8,830.64 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: w_tvp_clflet 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 Howe-Whitehead Hiscox Underwriting 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:w_tvp_clflet Name of policy holder:Howe-Whitehead Period of insurance: From 09 May, 2022 to 12/08/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28/07/21 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: 09 May, 2022 Insurance details Policy number: w_tvp_clflet Period of insurance: From 09 May, 2022 to 12/08/24 both days inclusive. This policy isa Continuing cover policy. Insured: Howe-Whitehead Address: Studio 34n Jay junction West Clive FARNHAM B6A 0HE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £576.15 Insurance Premium Tax (IPT): £818.98 Total charged premium: £8,830.64 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: £576.15 Insurance Premium Tax (IPT): £818.98 Annual total: £8,830.64 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 £2,355.76 Legal protection £100,000 £0 £5,371.23 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: 09 May, 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 28/07/21 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
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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09 May, 2022
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - pariatur-quidem-ipsa Company name: Price, Winter and Barrett It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pariatur-quidem-ipsa. Company name: Price, Winter and Barrett. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,604.02. £ 6,604.02. The premium includes all applicable insurance premium tax (IPT). Dear Dr Tony Turner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 22 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. £1,320.90. £1,320.90. Legal protection. £3,321.25. £3,321.25. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Price, Winter and Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 22 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 : pariatur-quidem-ipsa Company name: Price, Winter and Barrett . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pariatur-quidem-ipsa Company name: Price, Winter and Barrett . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,604.02 £ 6,604.02 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,604.02 £ 6,604.02 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Tony Turner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 22 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 £1,320.90 £1,320.90 Legal protection £3,321.25 £3,321.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Price, Winter and Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 22 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 Fri 22 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 £1,320.90 £1,320.90 Legal protection £3,321.25 £3,321.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Price, Winter and Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 22 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) £1,320.90 £3,321.25 £0.00 . This year’s annual Premium (exc IPT) £1,320.90 £3,321.25 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,320.90 £1,320.90 . Legal protection £3,321.25 £3,321.25 . 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: Tony 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 Tuesday 14 May, 2019 £6,604.02 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: pariatur-quidem-ipsa 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 Price, Winter and Barrett Hiscox Underwriting 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:pariatur-quidem-ipsa Name of policy holder:Price, Winter and Barrett Period of insurance: From Fri 22 May, 2020 to 25/06/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 24 January, 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: Fri 22 May, 2020 Insurance details Policy number: pariatur-quidem-ipsa Period of insurance: From Fri 22 May, 2020 to 25/06/25 both days inclusive. This policy isa Continuing cover policy. Insured: Price, Winter and Barrett Address: Flat 4 Robert ramp Hugheston FARNHAM B6 8FH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,102.06 Insurance Premium Tax (IPT): £9,610.05 Total charged premium: £6,604.02 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: £4,102.06 Insurance Premium Tax (IPT): £9,610.05 Annual total: £6,604.02 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 £1,320.90 Legal protection £100,000 £0 £3,321.25 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 22 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 Fri 24 January, 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
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pariatur-quidem-ipsa
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Fri 22 May, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - iure-earum-sequi Company name: Smith Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : iure-earum-sequi. Company name: Smith Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,956.66. £ 6,956.66. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Daniel North. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-12-13 . 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. £9,755.09. £9,755.09. Legal protection. £6,964.14. £6,964.14. 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 Smith 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 2021-12-13 . 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 : iure-earum-sequi Company name: Smith Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : iure-earum-sequi Company name: Smith Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,956.66 £ 6,956.66 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,956.66 £ 6,956.66 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Daniel North . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-12-13 . 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 £9,755.09 £9,755.09 Legal protection £6,964.14 £6,964.14 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 Smith 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 2021-12-13 . 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 2021-12-13 . 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 £9,755.09 £9,755.09 Legal protection £6,964.14 £6,964.14 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 Smith 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 2021-12-13 . 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) £9,755.09 £6,964.14 £0.00 . This year’s annual Premium (exc IPT) £9,755.09 £6,964.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,755.09 £9,755.09 . Legal protection £6,964.14 £6,964.14 . 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: Dr Daniel North 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 June, 2023 £6,956.66 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: iure-earum-sequi 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 Smith 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:iure-earum-sequi Name of policy holder:Smith Ltd Period of insurance: From 2021-12-13 to 2025-11-21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-01-11 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: 2021-12-13 Insurance details Policy number: iure-earum-sequi Period of insurance: From 2021-12-13 to 2025-11-21 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Ltd Address: 90 Carter street Middletonport FARNHAM M6 9WU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,966.81 Insurance Premium Tax (IPT): £8,955.96 Total charged premium: £6,956.66 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: £6,966.81 Insurance Premium Tax (IPT): £8,955.96 Annual total: £6,956.66 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 £9,755.09 Legal protection £100,000 £0 £6,964.14 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: 2021-12-13 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 2022-01-11 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
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iure-earum-sequi
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2021-12-13
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 6ZRR3H0NCAQNXW Company name: Bird, Wilson and Taylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ZRR3H0NCAQNXW. Company name: Bird, Wilson and Taylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,645.55. £ 6,645.55. The premium includes all applicable insurance premium tax (IPT). Dear Mr Anthony Robertson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 30 October, 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. £6,489.06. £6,489.06. Legal protection. £1,178.34. £1,178.34. 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 Bird, Wilson and 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 Wed 30 October, 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 : 6ZRR3H0NCAQNXW Company name: Bird, Wilson and Taylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ZRR3H0NCAQNXW Company name: Bird, Wilson and Taylor . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,645.55 £ 6,645.55 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,645.55 £ 6,645.55 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Anthony Robertson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 30 October, 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 £6,489.06 £6,489.06 Legal protection £1,178.34 £1,178.34 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 Bird, Wilson and 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 Wed 30 October, 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 Wed 30 October, 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 £6,489.06 £6,489.06 Legal protection £1,178.34 £1,178.34 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 Bird, Wilson and 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 Wed 30 October, 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) £6,489.06 £1,178.34 £0.00 . This year’s annual Premium (exc IPT) £6,489.06 £1,178.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,489.06 £6,489.06 . Legal protection £1,178.34 £1,178.34 . 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: Anthony Robertson 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 2020-11-21 £6,645.55 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: 6ZRR3H0NCAQNXW 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 Bird, Wilson and 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:6ZRR3H0NCAQNXW Name of policy holder:Bird, Wilson and Taylor Period of insurance: From Wed 30 October, 2019 to Wednesday 31 January, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 26 April, 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: Wed 30 October, 2019 Insurance details Policy number: 6ZRR3H0NCAQNXW Period of insurance: From Wed 30 October, 2019 to Wednesday 31 January, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Bird, Wilson and Taylor Address: 75 Frances divide West Eileenville FARNHAM EN4Y 8GH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,037.78 Insurance Premium Tax (IPT): £9,269.16 Total charged premium: £6,645.55 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: £2,037.78 Insurance Premium Tax (IPT): £9,269.16 Annual total: £6,645.55 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 £6,489.06 Legal protection £100,000 £0 £1,178.34 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: Wed 30 October, 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 Friday 26 April, 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
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6ZRR3H0NCAQNXW
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 30 October, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - PNCMJNNPUTG. Company name: Porter, Nelson and Payne It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PNCMJNNPUTG.. Company name: Porter, Nelson and Payne. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,871.30. £ 4,871.30. The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Steven Hilton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 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. £4,130.08. £4,130.08. Legal protection. £4,725.54. £4,725.54. 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 Porter, Nelson and Payne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : PNCMJNNPUTG. Company name: Porter, Nelson and Payne . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PNCMJNNPUTG. Company name: Porter, Nelson and Payne . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,871.30 £ 4,871.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,871.30 £ 4,871.30 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Steven Hilton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 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 £4,130.08 £4,130.08 Legal protection £4,725.54 £4,725.54 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 Porter, Nelson and Payne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 02 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 £4,130.08 £4,130.08 Legal protection £4,725.54 £4,725.54 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 Porter, Nelson and Payne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £4,130.08 £4,725.54 £0.00 . This year’s annual Premium (exc IPT) £4,130.08 £4,725.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,130.08 £4,130.08 . Legal protection £4,725.54 £4,725.54 . 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: Dr Steven Hilton 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 2021-03-06 £4,871.30 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: PNCMJNNPUTG. 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, Nelson and Payne Hiscox Underwriting 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:PNCMJNNPUTG. Name of policy holder:Porter, Nelson and Payne Period of insurance: From 02 January, 2023 to 05 June, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 19 September, 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: 02 January, 2023 Insurance details Policy number: PNCMJNNPUTG. Period of insurance: From 02 January, 2023 to 05 June, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Porter, Nelson and Payne Address: Flat 1 Bradshaw mountain West Bernard FARNHAM HU62 3PA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,276.33 Insurance Premium Tax (IPT): £4,183.36 Total charged premium: £4,871.30 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: £8,276.33 Insurance Premium Tax (IPT): £4,183.36 Annual total: £4,871.30 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 £4,130.08 Legal protection £100,000 £0 £4,725.54 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: 02 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 Monday 19 September, 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
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PNCMJNNPUTG.
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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02 January, 2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 1.VIAJMMD4MVL2R Company name: Thomas and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1.VIAJMMD4MVL2R. Company name: Thomas and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,881.25. £ 1,881.25. The premium includes all applicable insurance premium tax (IPT). Dear Dr Barry Mills. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 16 February, 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. £2,816.25. £2,816.25. Legal protection. £1,345.24. £1,345.24. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Sat 16 February, 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 : 1.VIAJMMD4MVL2R Company name: Thomas and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1.VIAJMMD4MVL2R Company name: Thomas 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). £ 1,881.25 £ 1,881.25 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,881.25 £ 1,881.25 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Barry Mills . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 16 February, 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 £2,816.25 £2,816.25 Legal protection £1,345.24 £1,345.24 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Sat 16 February, 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 Sat 16 February, 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 £2,816.25 £2,816.25 Legal protection £1,345.24 £1,345.24 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Sat 16 February, 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) £2,816.25 £1,345.24 £0.00 . This year’s annual Premium (exc IPT) £2,816.25 £1,345.24 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,816.25 £2,816.25 . Legal protection £1,345.24 £1,345.24 . 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: Barry Mills 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 16 July, 2020 £1,881.25 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: 1.VIAJMMD4MVL2R 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 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:1.VIAJMMD4MVL2R Name of policy holder:Thomas and Sons Period of insurance: From Sat 16 February, 2019 to Mon 19 May, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 27 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: Sat 16 February, 2019 Insurance details Policy number: 1.VIAJMMD4MVL2R Period of insurance: From Sat 16 February, 2019 to Mon 19 May, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas and Sons Address: Studio 45Z Gail meadows Hillside FARNHAM SL03 2XB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £79.95 Insurance Premium Tax (IPT): £2,537.36 Total charged premium: £1,881.25 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: £79.95 Insurance Premium Tax (IPT): £2,537.36 Annual total: £1,881.25 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 £2,816.25 Legal protection £100,000 £0 £1,345.24 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 16 February, 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 Thursday 27 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
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1.VIAJMMD4MVL2R
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 16 February, 2019
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - S/SH//SOJHU/-_FR Company name: Bull PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : S/SH//SOJHU/-_FR. Company name: Bull PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,308.23. £ 4,308.23. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Kathryn Coates. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 May, 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. £7,076.02. £7,076.02. Legal protection. £3,226.10. £3,226.10. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bull 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 Tue 03 May, 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 : S/SH//SOJHU/-_FR Company name: Bull PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : S/SH//SOJHU/-_FR Company name: Bull PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,308.23 £ 4,308.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,308.23 £ 4,308.23 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Kathryn Coates . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 May, 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 £7,076.02 £7,076.02 Legal protection £3,226.10 £3,226.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bull 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 Tue 03 May, 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 Tue 03 May, 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 £7,076.02 £7,076.02 Legal protection £3,226.10 £3,226.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bull 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 Tue 03 May, 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) £7,076.02 £3,226.10 £0.00 . This year’s annual Premium (exc IPT) £7,076.02 £3,226.10 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,076.02 £7,076.02 . Legal protection £3,226.10 £3,226.10 . 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 Kathryn Coates 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 21/04/2024 £4,308.23 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: S/SH//SOJHU/-_FR 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 Bull 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:S/SH//SOJHU/-_FR Name of policy holder:Bull PLC Period of insurance: From Tue 03 May, 2022 to 31/12/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06/04/2023 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: Tue 03 May, 2022 Insurance details Policy number: S/SH//SOJHU/-_FR Period of insurance: From Tue 03 May, 2022 to 31/12/25 both days inclusive. This policy isa Continuing cover policy. Insured: Bull PLC Address: Studio 33t Evans court East Kateview FARNHAM GY79 9YS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £66.23 Insurance Premium Tax (IPT): £5,242.28 Total charged premium: £4,308.23 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: £66.23 Insurance Premium Tax (IPT): £5,242.28 Annual total: £4,308.23 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 £7,076.02 Legal protection £100,000 £0 £3,226.10 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 03 May, 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 06/04/2023 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
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S/SH//SOJHU/-_FR
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 03 May, 2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3/HK1.IAJKE0JE Company name: Brooks, Francis and Lucas It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/HK1.IAJKE0JE. Company name: Brooks, Francis and Lucas. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,254.45. £ 7,254.45. The premium includes all applicable insurance premium tax (IPT). Dear Mr Arthur Connolly. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/03/22 . 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. £6,260.67. £6,260.67. Legal protection. £7,162.17. £7,162.17. 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 Brooks, Francis and Lucas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/03/22 . 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/HK1.IAJKE0JE Company name: Brooks, Francis and Lucas . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/HK1.IAJKE0JE Company name: Brooks, Francis and Lucas . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,254.45 £ 7,254.45 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,254.45 £ 7,254.45 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Arthur Connolly . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/03/22 . 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 £6,260.67 £6,260.67 Legal protection £7,162.17 £7,162.17 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 Brooks, Francis and Lucas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/03/22 . 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 10/03/22 . 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 £6,260.67 £6,260.67 Legal protection £7,162.17 £7,162.17 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 Brooks, Francis and Lucas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/03/22 . 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) £6,260.67 £7,162.17 £0.00 . This year’s annual Premium (exc IPT) £6,260.67 £7,162.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,260.67 £6,260.67 . Legal protection £7,162.17 £7,162.17 . 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: Arthur 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 07 February, 2025 £7,254.45 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: 3/HK1.IAJKE0JE 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, Francis and Lucas Hiscox Underwriting 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/HK1.IAJKE0JE Name of policy holder:Brooks, Francis and Lucas Period of insurance: From 10/03/22 to Mon 08 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 31 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: 10/03/22 Insurance details Policy number: 3/HK1.IAJKE0JE Period of insurance: From 10/03/22 to Mon 08 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Brooks, Francis and Lucas Address: Studio 60m Sandra brook Port Joanna FARNHAM TD1P 2SA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,479.89 Insurance Premium Tax (IPT): £934.09 Total charged premium: £7,254.45 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: £2,479.89 Insurance Premium Tax (IPT): £934.09 Annual total: £7,254.45 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 £6,260.67 Legal protection £100,000 £0 £7,162.17 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: 10/03/22 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 Mon 31 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
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3/HK1.IAJKE0JE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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10/03/22
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - BGGACKZ/CWWJ Company name: Sutton, Smith and Carter It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BGGACKZ/CWWJ. Company name: Sutton, Smith and Carter. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,077.34. £ 2,077.34. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Heather Myers. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 February, 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. £9,554.13. £9,554.13. Legal protection. £6,843.61. £6,843.61. 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 Sutton, Smith and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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 : BGGACKZ/CWWJ Company name: Sutton, Smith and Carter . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BGGACKZ/CWWJ Company name: Sutton, Smith and Carter . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,077.34 £ 2,077.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,077.34 £ 2,077.34 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Heather Myers . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 February, 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 £9,554.13 £9,554.13 Legal protection £6,843.61 £6,843.61 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 Sutton, Smith and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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 06 February, 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 £9,554.13 £9,554.13 Legal protection £6,843.61 £6,843.61 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 Sutton, Smith and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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) £9,554.13 £6,843.61 £0.00 . This year’s annual Premium (exc IPT) £9,554.13 £6,843.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,554.13 £9,554.13 . Legal protection £6,843.61 £6,843.61 . 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: Heather Myers 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 07/07/23 £2,077.34 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: BGGACKZ/CWWJ 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 Sutton, Smith and Carter Hiscox Underwriting 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:BGGACKZ/CWWJ Name of policy holder:Sutton, Smith and Carter Period of insurance: From 06 February, 2019 to Wed 31 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04 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: 06 February, 2019 Insurance details Policy number: BGGACKZ/CWWJ Period of insurance: From 06 February, 2019 to Wed 31 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Sutton, Smith and Carter Address: 8 John walk Newtonmouth FARNHAM S3E 2WR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,996.15 Insurance Premium Tax (IPT): £3,222.88 Total charged premium: £2,077.34 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: £9,996.15 Insurance Premium Tax (IPT): £3,222.88 Annual total: £2,077.34 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 £9,554.13 Legal protection £100,000 £0 £6,843.61 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: 06 February, 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 04 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
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BGGACKZ/CWWJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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06 February, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - B.KTAKWIPB/DKVS Company name: Griffiths Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B.KTAKWIPB/DKVS. Company name: Griffiths Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,597.55. £ 5,597.55. The premium includes all applicable insurance premium tax (IPT). Dear Dr Caroline Palmer-Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20 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. £4,100.44. £4,100.44. Legal protection. £1,355.14. £1,355.14. 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 Griffiths 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 20 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 : B.KTAKWIPB/DKVS Company name: Griffiths Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B.KTAKWIPB/DKVS Company name: Griffiths Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,597.55 £ 5,597.55 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,597.55 £ 5,597.55 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Caroline Palmer-Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20 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 £4,100.44 £4,100.44 Legal protection £1,355.14 £1,355.14 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 Griffiths 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 20 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 20 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 £4,100.44 £4,100.44 Legal protection £1,355.14 £1,355.14 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 Griffiths 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 20 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) £4,100.44 £1,355.14 £0.00 . This year’s annual Premium (exc IPT) £4,100.44 £1,355.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,100.44 £4,100.44 . Legal protection £1,355.14 £1,355.14 . 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: Caroline Palmer-Williams 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 06/05/19 £5,597.55 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: B.KTAKWIPB/DKVS 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 Griffiths 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:B.KTAKWIPB/DKVS Name of policy holder:Griffiths Group Period of insurance: From 20 November, 2023 to 13 September, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19/10/21 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: 20 November, 2023 Insurance details Policy number: B.KTAKWIPB/DKVS Period of insurance: From 20 November, 2023 to 13 September, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Griffiths Group Address: 79 Bates trafficway Moranville FARNHAM W6F 1GB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,311.98 Insurance Premium Tax (IPT): £2,604.02 Total charged premium: £5,597.55 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: £7,311.98 Insurance Premium Tax (IPT): £2,604.02 Annual total: £5,597.55 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 £4,100.44 Legal protection £100,000 £0 £1,355.14 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: 20 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 19/10/21 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
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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20 November, 2023
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3Z-SOX8 Company name: Johnson Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3Z-SOX8. Company name: Johnson Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,914.77. £ 2,914.77. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Allan Ellis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-05-15 . 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. £7,120.17. £7,120.17. Legal protection. £3,983.76. £3,983.76. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2020-05-15 . 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 : 3Z-SOX8 Company name: Johnson Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3Z-SOX8 Company name: Johnson Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,914.77 £ 2,914.77 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,914.77 £ 2,914.77 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Allan Ellis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-05-15 . 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 £7,120.17 £7,120.17 Legal protection £3,983.76 £3,983.76 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2020-05-15 . 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 2020-05-15 . 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 £7,120.17 £7,120.17 Legal protection £3,983.76 £3,983.76 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2020-05-15 . 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) £7,120.17 £3,983.76 £0.00 . This year’s annual Premium (exc IPT) £7,120.17 £3,983.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,120.17 £7,120.17 . Legal protection £3,983.76 £3,983.76 . 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 Allan Ellis 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 09 April, 2024 £2,914.77 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: 3Z-SOX8 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 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:3Z-SOX8 Name of policy holder:Johnson Group Period of insurance: From 2020-05-15 to 2021-03-12 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 10 May, 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: 2020-05-15 Insurance details Policy number: 3Z-SOX8 Period of insurance: From 2020-05-15 to 2021-03-12 both days inclusive. This policy isa Continuing cover policy. Insured: Johnson Group Address: Studio 60 Alexandra divide North Rhys FARNHAM NE6P 8UZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £816.57 Insurance Premium Tax (IPT): £333.92 Total charged premium: £2,914.77 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: £816.57 Insurance Premium Tax (IPT): £333.92 Annual total: £2,914.77 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 £7,120.17 Legal protection £100,000 £0 £3,983.76 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: 2020-05-15 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 Fri 10 May, 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
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3Z-SOX8
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2020-05-15
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
| null | null |
Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - PSRID-MY/-NEZQ Company name: Perkins PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PSRID-MY/-NEZQ. Company name: Perkins PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,671.87. £ 9,671.87. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joseph Marsh. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/04/2024 . 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. £3,319.06. £3,319.06. Legal protection. £9,463.36. £9,463.36. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 26/04/2024 . 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 : PSRID-MY/-NEZQ Company name: Perkins PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PSRID-MY/-NEZQ Company name: Perkins PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,671.87 £ 9,671.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,671.87 £ 9,671.87 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joseph Marsh . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/04/2024 . 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 £3,319.06 £3,319.06 Legal protection £9,463.36 £9,463.36 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 26/04/2024 . 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 26/04/2024 . 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 £3,319.06 £3,319.06 Legal protection £9,463.36 £9,463.36 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 26/04/2024 . 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) £3,319.06 £9,463.36 £0.00 . This year’s annual Premium (exc IPT) £3,319.06 £9,463.36 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,319.06 £3,319.06 . Legal protection £9,463.36 £9,463.36 . 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: Joseph Marsh 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 2019-04-17 £9,671.87 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: PSRID-MY/-NEZQ 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 Perkins 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:PSRID-MY/-NEZQ Name of policy holder:Perkins PLC Period of insurance: From 26/04/2024 to Thu 11 November, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 25 June, 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: 26/04/2024 Insurance details Policy number: PSRID-MY/-NEZQ Period of insurance: From 26/04/2024 to Thu 11 November, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Perkins PLC Address: Flat 73 Janice court Bethanymouth FARNHAM N4F 0ZQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,089.21 Insurance Premium Tax (IPT): £6,911.45 Total charged premium: £9,671.87 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: £3,089.21 Insurance Premium Tax (IPT): £6,911.45 Annual total: £9,671.87 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 £3,319.06 Legal protection £100,000 £0 £9,463.36 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: 26/04/2024 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 Tue 25 June, 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
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PSRID-MY/-NEZQ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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26/04/2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - qqautxhv.t/vypbevtq_z Company name: Brown-Davis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qqautxhv.t/vypbevtq_z. Company name: Brown-Davis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 627.76. £ 627.76. The premium includes all applicable insurance premium tax (IPT). Dear Dr Anna King. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-01-29 . 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. £1,741.55. £1,741.55. Legal protection. £8,885.88. £8,885.88. 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 Brown-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-29 . 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 : qqautxhv.t/vypbevtq_z Company name: Brown-Davis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qqautxhv.t/vypbevtq_z Company name: Brown-Davis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 627.76 £ 627.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 627.76 £ 627.76 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Anna King . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2026-01-29 . 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 £1,741.55 £1,741.55 Legal protection £8,885.88 £8,885.88 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 Brown-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-29 . 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 2026-01-29 . 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 £1,741.55 £1,741.55 Legal protection £8,885.88 £8,885.88 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 Brown-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2026-01-29 . 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) £1,741.55 £8,885.88 £0.00 . This year’s annual Premium (exc IPT) £1,741.55 £8,885.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,741.55 £1,741.55 . Legal protection £8,885.88 £8,885.88 . 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: Anna 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 29/08/25 £627.76 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: qqautxhv.t/vypbevtq_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 Brown-Davis Hiscox Underwriting 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:qqautxhv.t/vypbevtq_z Name of policy holder:Brown-Davis Period of insurance: From 2026-01-29 to 21/11/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/03/24 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: 2026-01-29 Insurance details Policy number: qqautxhv.t/vypbevtq_z Period of insurance: From 2026-01-29 to 21/11/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Brown-Davis Address: 06 O'Donnell burg Katymouth FARNHAM LS28 5DY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,259.01 Insurance Premium Tax (IPT): £480.91 Total charged premium: £627.76 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: £9,259.01 Insurance Premium Tax (IPT): £480.91 Annual total: £627.76 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 £1,741.55 Legal protection £100,000 £0 £8,885.88 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: 2026-01-29 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 18/03/24 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
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qqautxhv.t/vypbevtq_z
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2026-01-29
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 2YWH3K49JC472ZGY Company name: Hancock PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2YWH3K49JC472ZGY. Company name: Hancock PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,814.36. £ 8,814.36. The premium includes all applicable insurance premium tax (IPT). Dear Miss Maureen Quinn-Payne. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-01-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,246.53. £1,246.53. Legal protection. £8,083.67. £8,083.67. 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 Hancock 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 2025-01-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : 2YWH3K49JC472ZGY Company name: Hancock PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2YWH3K49JC472ZGY Company name: Hancock PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,814.36 £ 8,814.36 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,814.36 £ 8,814.36 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Maureen Quinn-Payne . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-01-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,246.53 £1,246.53 Legal protection £8,083.67 £8,083.67 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 Hancock 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 2025-01-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2025-01-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,246.53 £1,246.53 Legal protection £8,083.67 £8,083.67 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 Hancock 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 2025-01-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £1,246.53 £8,083.67 £0.00 . This year’s annual Premium (exc IPT) £1,246.53 £8,083.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,246.53 £1,246.53 . Legal protection £8,083.67 £8,083.67 . 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: Maureen Quinn-Payne 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 02 January, 2025 £8,814.36 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: 2YWH3K49JC472ZGY 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 Hancock 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:2YWH3K49JC472ZGY Name of policy holder:Hancock PLC Period of insurance: From 2025-01-01 to 10/12/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 30 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: 2025-01-01 Insurance details Policy number: 2YWH3K49JC472ZGY Period of insurance: From 2025-01-01 to 10/12/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Hancock PLC Address: 99 Tracy junctions East Francesca FARNHAM L77 9AJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £369.85 Insurance Premium Tax (IPT): £2,588.56 Total charged premium: £8,814.36 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: £369.85 Insurance Premium Tax (IPT): £2,588.56 Annual total: £8,814.36 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 £1,246.53 Legal protection £100,000 £0 £8,083.67 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: 2025-01-01 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 30 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
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2YWH3K49JC472ZGY
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2025-01-01
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ARDUKTIBJCJXWSYT Company name: Shaw-Phillips It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ARDUKTIBJCJXWSYT. Company name: Shaw-Phillips. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,856.14. £ 5,856.14. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Bernard Power. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 January, 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. £5,159.40. £5,159.40. Legal protection. £7,384.67. £7,384.67. 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 Shaw-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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 : ARDUKTIBJCJXWSYT Company name: Shaw-Phillips . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ARDUKTIBJCJXWSYT Company name: Shaw-Phillips . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,856.14 £ 5,856.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,856.14 £ 5,856.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Bernard Power . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 January, 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 £5,159.40 £5,159.40 Legal protection £7,384.67 £7,384.67 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 Shaw-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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 16 January, 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 £5,159.40 £5,159.40 Legal protection £7,384.67 £7,384.67 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 Shaw-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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) £5,159.40 £7,384.67 £0.00 . This year’s annual Premium (exc IPT) £5,159.40 £7,384.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,159.40 £5,159.40 . Legal protection £7,384.67 £7,384.67 . 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: Dr Bernard Power 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 April, 2022 £5,856.14 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: ARDUKTIBJCJXWSYT 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 Shaw-Phillips Hiscox Underwriting 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:ARDUKTIBJCJXWSYT Name of policy holder:Shaw-Phillips Period of insurance: From 16 January, 2025 to Sun 14 August, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21/05/22 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: 16 January, 2025 Insurance details Policy number: ARDUKTIBJCJXWSYT Period of insurance: From 16 January, 2025 to Sun 14 August, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Shaw-Phillips Address: 4 Chapman prairie South Shirley FARNHAM NE89 8TY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,654.56 Insurance Premium Tax (IPT): £2,691.30 Total charged premium: £5,856.14 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: £1,654.56 Insurance Premium Tax (IPT): £2,691.30 Annual total: £5,856.14 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 £5,159.40 Legal protection £100,000 £0 £7,384.67 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: 16 January, 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 21/05/22 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
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ARDUKTIBJCJXWSYT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16 January, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - GV-FKMKJEDNFRAHAVEZY Company name: Webster, Chapman and Begum It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GV-FKMKJEDNFRAHAVEZY. Company name: Webster, Chapman and Begum. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,054.83. £ 8,054.83. The premium includes all applicable insurance premium tax (IPT). Dear Dr Clive Browne-Faulkner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,547.53. £7,547.53. Legal protection. £7,907.45. £7,907.45. 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 Webster, Chapman and Begum , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : GV-FKMKJEDNFRAHAVEZY Company name: Webster, Chapman and Begum . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GV-FKMKJEDNFRAHAVEZY Company name: Webster, Chapman and Begum . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,054.83 £ 8,054.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,054.83 £ 8,054.83 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Clive Browne-Faulkner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,547.53 £7,547.53 Legal protection £7,907.45 £7,907.45 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 Webster, Chapman and Begum , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 03/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,547.53 £7,547.53 Legal protection £7,907.45 £7,907.45 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 Webster, Chapman and Begum , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £7,547.53 £7,907.45 £0.00 . This year’s annual Premium (exc IPT) £7,547.53 £7,907.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,547.53 £7,547.53 . Legal protection £7,907.45 £7,907.45 . 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: Clive Browne-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 17 August, 2019 £8,054.83 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: GV-FKMKJEDNFRAHAVEZY 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, Chapman and Begum Hiscox Underwriting 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:GV-FKMKJEDNFRAHAVEZY Name of policy holder:Webster, Chapman and Begum Period of insurance: From 03/10/19 to 2021-01-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-04-03 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: 03/10/19 Insurance details Policy number: GV-FKMKJEDNFRAHAVEZY Period of insurance: From 03/10/19 to 2021-01-16 both days inclusive. This policy isa Continuing cover policy. Insured: Webster, Chapman and Begum Address: Flat 24 Hannah run North Juliaton FARNHAM M66 8YH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,852.34 Insurance Premium Tax (IPT): £4,786.98 Total charged premium: £8,054.83 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: £6,852.34 Insurance Premium Tax (IPT): £4,786.98 Annual total: £8,054.83 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 £7,547.53 Legal protection £100,000 £0 £7,907.45 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: 03/10/19 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 2024-04-03 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
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GV-FKMKJEDNFRAHAVEZY
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03/10/19
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - zabo/yipp Company name: Dodd, Reed and Hanson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zabo/yipp. Company name: Dodd, Reed and Hanson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,180.47. £ 9,180.47. The premium includes all applicable insurance premium tax (IPT). Dear Miss Joan Brown-Richardson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 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. £399.02. £399.02. Legal protection. £8,536.61. £8,536.61. 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 Dodd, Reed and Hanson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : zabo/yipp Company name: Dodd, Reed and Hanson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zabo/yipp Company name: Dodd, Reed and Hanson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,180.47 £ 9,180.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,180.47 £ 9,180.47 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Joan Brown-Richardson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 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 £399.02 £399.02 Legal protection £8,536.61 £8,536.61 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 Dodd, Reed and Hanson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 17 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 £399.02 £399.02 Legal protection £8,536.61 £8,536.61 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 Dodd, Reed and Hanson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £399.02 £8,536.61 £0.00 . This year’s annual Premium (exc IPT) £399.02 £8,536.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £399.02 £399.02 . Legal protection £8,536.61 £8,536.61 . 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: Joan Brown-Richardson 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 May, 2021 £9,180.47 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: zabo/yipp 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 Dodd, Reed and Hanson Hiscox Underwriting 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:zabo/yipp Name of policy holder:Dodd, Reed and Hanson Period of insurance: From 17 June, 2021 to 2025-06-21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/03/2022 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: 17 June, 2021 Insurance details Policy number: zabo/yipp Period of insurance: From 17 June, 2021 to 2025-06-21 both days inclusive. This policy isa Continuing cover policy. Insured: Dodd, Reed and Hanson Address: Studio 58o Carroll route Thorpeberg FARNHAM WR2 8GJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,689.22 Insurance Premium Tax (IPT): £5,014.64 Total charged premium: £9,180.47 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: £6,689.22 Insurance Premium Tax (IPT): £5,014.64 Annual total: £9,180.47 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 £399.02 Legal protection £100,000 £0 £8,536.61 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: 17 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 25/03/2022 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
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zabo/yipp
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17 June, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UQELXVL.JX Company name: Norris-Lewis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UQELXVL.JX. Company name: Norris-Lewis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,747.59. £ 9,747.59. The premium includes all applicable insurance premium tax (IPT). Dear Dr Yvonne Owen. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 May, 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. £9,698.90. £9,698.90. Legal protection. £2,230.49. £2,230.49. 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 Norris-Lewis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 May, 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 : UQELXVL.JX Company name: Norris-Lewis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UQELXVL.JX Company name: Norris-Lewis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,747.59 £ 9,747.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,747.59 £ 9,747.59 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Yvonne Owen . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 May, 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 £9,698.90 £9,698.90 Legal protection £2,230.49 £2,230.49 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 Norris-Lewis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 May, 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 27 May, 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 £9,698.90 £9,698.90 Legal protection £2,230.49 £2,230.49 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 Norris-Lewis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 May, 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) £9,698.90 £2,230.49 £0.00 . This year’s annual Premium (exc IPT) £9,698.90 £2,230.49 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,698.90 £9,698.90 . Legal protection £2,230.49 £2,230.49 . 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: Yvonne Owen 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 07/08/24 £9,747.59 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: UQELXVL.JX 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 Norris-Lewis Hiscox Underwriting 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:UQELXVL.JX Name of policy holder:Norris-Lewis Period of insurance: From 27 May, 2021 to 24/11/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-10-12 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: 27 May, 2021 Insurance details Policy number: UQELXVL.JX Period of insurance: From 27 May, 2021 to 24/11/19 both days inclusive. This policy isa Continuing cover policy. Insured: Norris-Lewis Address: Flat 98x Brooks plaza Alexanderville FARNHAM WN8E 9EN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,381.73 Insurance Premium Tax (IPT): £3,059.73 Total charged premium: £9,747.59 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: £1,381.73 Insurance Premium Tax (IPT): £3,059.73 Annual total: £9,747.59 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 £9,698.90 Legal protection £100,000 £0 £2,230.49 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: 27 May, 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 2022-10-12 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
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UQELXVL.JX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27 May, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - HE8KCF_F/7_V5FL Company name: Thomas-Johnson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HE8KCF_F/7_V5FL. Company name: Thomas-Johnson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,059.18. £ 5,059.18. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Leon Johnson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,355.58. £9,355.58. Legal protection. £1,852.52. £1,852.52. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : HE8KCF_F/7_V5FL Company name: Thomas-Johnson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HE8KCF_F/7_V5FL Company name: Thomas-Johnson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,059.18 £ 5,059.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,059.18 £ 5,059.18 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Leon Johnson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,355.58 £9,355.58 Legal protection £1,852.52 £1,852.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2022-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,355.58 £9,355.58 Legal protection £1,852.52 £1,852.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £9,355.58 £1,852.52 £0.00 . This year’s annual Premium (exc IPT) £9,355.58 £1,852.52 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,355.58 £9,355.58 . Legal protection £1,852.52 £1,852.52 . 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: Leon 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 Tue 05 November, 2024 £5,059.18 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: HE8KCF_F/7_V5FL 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-Johnson Hiscox Underwriting 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:HE8KCF_F/7_V5FL Name of policy holder:Thomas-Johnson Period of insurance: From 2022-02-27 to 08 January, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18 July, 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: 2022-02-27 Insurance details Policy number: HE8KCF_F/7_V5FL Period of insurance: From 2022-02-27 to 08 January, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas-Johnson Address: Studio 02l Sian junction West Amyborough FARNHAM L4 5UA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,654.77 Insurance Premium Tax (IPT): £9,314.47 Total charged premium: £5,059.18 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: £5,654.77 Insurance Premium Tax (IPT): £9,314.47 Annual total: £5,059.18 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 £9,355.58 Legal protection £100,000 £0 £1,852.52 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: 2022-02-27 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 July, 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
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HE8KCF_F/7_V5FL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2022-02-27
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - W_IDBZULACXMKV.BM.GI Company name: Parsons, Clark and Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : W_IDBZULACXMKV.BM.GI. Company name: Parsons, Clark and Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 100.80. £ 100.80. The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Linda Saunders. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/08/21 . 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. £1,001.81. £1,001.81. Legal protection. £8,513.33. £8,513.33. 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 Parsons, Clark 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 17/08/21 . 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 : W_IDBZULACXMKV.BM.GI Company name: Parsons, Clark and Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : W_IDBZULACXMKV.BM.GI Company name: Parsons, Clark 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). £ 100.80 £ 100.80 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 100.80 £ 100.80 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Linda Saunders . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/08/21 . 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 £1,001.81 £1,001.81 Legal protection £8,513.33 £8,513.33 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 Parsons, Clark 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 17/08/21 . 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 17/08/21 . 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 £1,001.81 £1,001.81 Legal protection £8,513.33 £8,513.33 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 Parsons, Clark 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 17/08/21 . 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) £1,001.81 £8,513.33 £0.00 . This year’s annual Premium (exc IPT) £1,001.81 £8,513.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,001.81 £1,001.81 . Legal protection £8,513.33 £8,513.33 . 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: Miss Linda 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 13/09/2024 £100.80 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: W_IDBZULACXMKV.BM.GI 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 Parsons, Clark 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:W_IDBZULACXMKV.BM.GI Name of policy holder:Parsons, Clark and Jones Period of insurance: From 17/08/21 to Friday 12 July, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 29 May, 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: 17/08/21 Insurance details Policy number: W_IDBZULACXMKV.BM.GI Period of insurance: From 17/08/21 to Friday 12 July, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Parsons, Clark and Jones Address: 01 Blake ferry Jamesberg FARNHAM B89 4HJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,034.78 Insurance Premium Tax (IPT): £5,140.00 Total charged premium: £100.80 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: £4,034.78 Insurance Premium Tax (IPT): £5,140.00 Annual total: £100.80 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 £1,001.81 Legal protection £100,000 £0 £8,513.33 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: 17/08/21 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 Mon 29 May, 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
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Hiscox Business Insurance - Policy number - s/jyebx Company name: Patel-Williams It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : s/jyebx. Company name: Patel-Williams. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,681.41. £ 7,681.41. The premium includes all applicable insurance premium tax (IPT). Dear Mr Max Russell-Roberts. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/11/22 . 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. £5,322.02. £5,322.02. Legal protection. £2,057.32. £2,057.32. 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 Patel-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 10/11/22 . 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 : s/jyebx Company name: Patel-Williams . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : s/jyebx Company name: Patel-Williams . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,681.41 £ 7,681.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,681.41 £ 7,681.41 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Max Russell-Roberts . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/11/22 . 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 £5,322.02 £5,322.02 Legal protection £2,057.32 £2,057.32 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 Patel-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 10/11/22 . 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 10/11/22 . 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 £5,322.02 £5,322.02 Legal protection £2,057.32 £2,057.32 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 Patel-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 10/11/22 . 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) £5,322.02 £2,057.32 £0.00 . This year’s annual Premium (exc IPT) £5,322.02 £2,057.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,322.02 £5,322.02 . Legal protection £2,057.32 £2,057.32 . 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: Max Russell-Roberts 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 05 April, 2019 £7,681.41 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: s/jyebx 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-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:s/jyebx Name of policy holder:Patel-Williams Period of insurance: From 10/11/22 to 2022-03-28 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 20 April, 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: 10/11/22 Insurance details Policy number: s/jyebx Period of insurance: From 10/11/22 to 2022-03-28 both days inclusive. This policy isa Continuing cover policy. Insured: Patel-Williams Address: Flat 43 Kyle fork Morrisville FARNHAM CO01 5XD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,409.75 Insurance Premium Tax (IPT): £9,421.45 Total charged premium: £7,681.41 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: £3,409.75 Insurance Premium Tax (IPT): £9,421.45 Annual total: £7,681.41 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 £5,322.02 Legal protection £100,000 £0 £2,057.32 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: 10/11/22 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 Sat 20 April, 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
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s/jyebx
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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10/11/22
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 0/UB-1S004AIPGOLOJZUHV2 Company name: Davies, Fletcher and Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0/UB-1S004AIPGOLOJZUHV2. Company name: Davies, Fletcher and Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,086.95. £ 4,086.95. The premium includes all applicable insurance premium tax (IPT). Dear Dr Clive Evans. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/05/24 . 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. £8,555.51. £8,555.51. Legal protection. £9,868.65. £9,868.65. 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 Davies, Fletcher and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/05/24 . 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 : 0/UB-1S004AIPGOLOJZUHV2 Company name: Davies, Fletcher and Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0/UB-1S004AIPGOLOJZUHV2 Company name: Davies, Fletcher and Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,086.95 £ 4,086.95 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,086.95 £ 4,086.95 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Clive Evans . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/05/24 . 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 £8,555.51 £8,555.51 Legal protection £9,868.65 £9,868.65 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 Davies, Fletcher and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/05/24 . 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 12/05/24 . 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 £8,555.51 £8,555.51 Legal protection £9,868.65 £9,868.65 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 Davies, Fletcher and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/05/24 . 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) £8,555.51 £9,868.65 £0.00 . This year’s annual Premium (exc IPT) £8,555.51 £9,868.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,555.51 £8,555.51 . Legal protection £9,868.65 £9,868.65 . 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: Clive 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 29/08/2025 £4,086.95 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: 0/UB-1S004AIPGOLOJZUHV2 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, Fletcher and Davies Hiscox Underwriting 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:0/UB-1S004AIPGOLOJZUHV2 Name of policy holder:Davies, Fletcher and Davies Period of insurance: From 12/05/24 to Fri 10 May, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 24 November, 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: 12/05/24 Insurance details Policy number: 0/UB-1S004AIPGOLOJZUHV2 Period of insurance: From 12/05/24 to Fri 10 May, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Davies, Fletcher and Davies Address: 05 Brown locks East Laura FARNHAM TA5Y 7YF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,606.79 Insurance Premium Tax (IPT): £8,292.82 Total charged premium: £4,086.95 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: £1,606.79 Insurance Premium Tax (IPT): £8,292.82 Annual total: £4,086.95 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 £8,555.51 Legal protection £100,000 £0 £9,868.65 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: 12/05/24 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 Sun 24 November, 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
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0/UB-1S004AIPGOLOJZUHV2
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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12/05/24
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - isyvhfrjxj Company name: Stevens-Harvey It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : isyvhfrjxj. Company name: Stevens-Harvey. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,521.20. £ 2,521.20. The premium includes all applicable insurance premium tax (IPT). Dear Dr Elliott Roberts-Knight. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 March, 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. £2,592.51. £2,592.51. Legal protection. £2,126.34. £2,126.34. 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 Stevens-Harvey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 March, 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 : isyvhfrjxj Company name: Stevens-Harvey . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : isyvhfrjxj Company name: Stevens-Harvey . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,521.20 £ 2,521.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,521.20 £ 2,521.20 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Elliott Roberts-Knight . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 March, 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 £2,592.51 £2,592.51 Legal protection £2,126.34 £2,126.34 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 Stevens-Harvey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 March, 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 27 March, 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 £2,592.51 £2,592.51 Legal protection £2,126.34 £2,126.34 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 Stevens-Harvey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27 March, 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) £2,592.51 £2,126.34 £0.00 . This year’s annual Premium (exc IPT) £2,592.51 £2,126.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,592.51 £2,592.51 . Legal protection £2,126.34 £2,126.34 . 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: Elliott Roberts-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 Friday 05 July, 2019 £2,521.20 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: isyvhfrjxj 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-Harvey Hiscox Underwriting 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:isyvhfrjxj Name of policy holder:Stevens-Harvey Period of insurance: From 27 March, 2025 to 2022-11-23 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: 27 March, 2025 Insurance details Policy number: isyvhfrjxj Period of insurance: From 27 March, 2025 to 2022-11-23 both days inclusive. This policy isa Continuing cover policy. Insured: Stevens-Harvey Address: 0 O'Brien hollow West Sharon FARNHAM S99 6SF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,424.94 Insurance Premium Tax (IPT): £141.77 Total charged premium: £2,521.20 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: £8,424.94 Insurance Premium Tax (IPT): £141.77 Annual total: £2,521.20 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 £2,592.51 Legal protection £100,000 £0 £2,126.34 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: 27 March, 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 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
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isyvhfrjxj
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27 March, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - K_KZSB_FV Company name: Jackson Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : K_KZSB_FV. Company name: Jackson Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,540.46. £ 9,540.46. The premium includes all applicable insurance premium tax (IPT). Dear Dr Bruce White. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/05/2019 . 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. £3,274.77. £3,274.77. Legal protection. £3,279.09. £3,279.09. 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 Jackson 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 23/05/2019 . 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 : K_KZSB_FV Company name: Jackson Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : K_KZSB_FV Company name: Jackson Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,540.46 £ 9,540.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,540.46 £ 9,540.46 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Bruce White . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/05/2019 . 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 £3,274.77 £3,274.77 Legal protection £3,279.09 £3,279.09 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 Jackson 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 23/05/2019 . 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 23/05/2019 . 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 £3,274.77 £3,274.77 Legal protection £3,279.09 £3,279.09 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 Jackson 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 23/05/2019 . 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) £3,274.77 £3,279.09 £0.00 . This year’s annual Premium (exc IPT) £3,274.77 £3,279.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,274.77 £3,274.77 . Legal protection £3,279.09 £3,279.09 . 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: Bruce White 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 03/10/2020 £9,540.46 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: K_KZSB_FV 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 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:K_KZSB_FV Name of policy holder:Jackson Ltd Period of insurance: From 23/05/2019 to 2020-12-26 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 08 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: 23/05/2019 Insurance details Policy number: K_KZSB_FV Period of insurance: From 23/05/2019 to 2020-12-26 both days inclusive. This policy isa Continuing cover policy. Insured: Jackson Ltd Address: Studio 1 Brenda radial East Emilyview FARNHAM W53 1FB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,621.56 Insurance Premium Tax (IPT): £3,435.60 Total charged premium: £9,540.46 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: £2,621.56 Insurance Premium Tax (IPT): £3,435.60 Annual total: £9,540.46 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 £3,274.77 Legal protection £100,000 £0 £3,279.09 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: 23/05/2019 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 Thursday 08 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
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K_KZSB_FV
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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23/05/2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UCHTDGWKQ/N Company name: Jones LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UCHTDGWKQ/N. Company name: Jones LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,403.13. £ 5,403.13. The premium includes all applicable insurance premium tax (IPT). Dear Mr Paul Cross. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/11/2020 . 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. £1,273.31. £1,273.31. Legal protection. £8,485.72. £8,485.72. 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 Jones 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 21/11/2020 . 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 : UCHTDGWKQ/N Company name: Jones LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UCHTDGWKQ/N Company name: Jones LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,403.13 £ 5,403.13 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,403.13 £ 5,403.13 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Paul Cross . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/11/2020 . 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 £1,273.31 £1,273.31 Legal protection £8,485.72 £8,485.72 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 Jones 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 21/11/2020 . 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 21/11/2020 . 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 £1,273.31 £1,273.31 Legal protection £8,485.72 £8,485.72 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 Jones 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 21/11/2020 . 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) £1,273.31 £8,485.72 £0.00 . This year’s annual Premium (exc IPT) £1,273.31 £8,485.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,273.31 £1,273.31 . Legal protection £8,485.72 £8,485.72 . 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: Paul Cross 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 14/12/22 £5,403.13 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: UCHTDGWKQ/N 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 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:UCHTDGWKQ/N Name of policy holder:Jones LLC Period of insurance: From 21/11/2020 to 16 May, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10 January, 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: 21/11/2020 Insurance details Policy number: UCHTDGWKQ/N Period of insurance: From 21/11/2020 to 16 May, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Jones LLC Address: Flat 62b Foster road Jacobland FARNHAM E9 8WW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £200.53 Insurance Premium Tax (IPT): £4,582.91 Total charged premium: £5,403.13 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: £200.53 Insurance Premium Tax (IPT): £4,582.91 Annual total: £5,403.13 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 £1,273.31 Legal protection £100,000 £0 £8,485.72 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: 21/11/2020 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 10 January, 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
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UCHTDGWKQ/N
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21/11/2020
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - srvsnzgb-lrvouqfqq/usjo Company name: Douglas-Kirby It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : srvsnzgb-lrvouqfqq/usjo. Company name: Douglas-Kirby. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 851.55. £ 851.55. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Steven Bird. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/07/2021 . 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. £1,396.25. £1,396.25. Legal protection. £1,598.58. £1,598.58. 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 Douglas-Kirby , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/07/2021 . 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 : srvsnzgb-lrvouqfqq/usjo Company name: Douglas-Kirby . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : srvsnzgb-lrvouqfqq/usjo Company name: Douglas-Kirby . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 851.55 £ 851.55 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 851.55 £ 851.55 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Steven Bird . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/07/2021 . 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 £1,396.25 £1,396.25 Legal protection £1,598.58 £1,598.58 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 Douglas-Kirby , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/07/2021 . 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 06/07/2021 . 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 £1,396.25 £1,396.25 Legal protection £1,598.58 £1,598.58 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 Douglas-Kirby , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/07/2021 . 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) £1,396.25 £1,598.58 £0.00 . This year’s annual Premium (exc IPT) £1,396.25 £1,598.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,396.25 £1,396.25 . Legal protection £1,598.58 £1,598.58 . 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: Steven Bird 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 11/03/21 £851.55 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: srvsnzgb-lrvouqfqq/usjo 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 Douglas-Kirby Hiscox Underwriting 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:srvsnzgb-lrvouqfqq/usjo Name of policy holder:Douglas-Kirby Period of insurance: From 06/07/2021 to 21 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16/12/2021 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: 06/07/2021 Insurance details Policy number: srvsnzgb-lrvouqfqq/usjo Period of insurance: From 06/07/2021 to 21 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Douglas-Kirby Address: Flat 5 Watkins burg Annetteport FARNHAM WN53 1QY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,521.97 Insurance Premium Tax (IPT): £1,114.11 Total charged premium: £851.55 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: £2,521.97 Insurance Premium Tax (IPT): £1,114.11 Annual total: £851.55 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 £1,396.25 Legal protection £100,000 £0 £1,598.58 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: 06/07/2021 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 16/12/2021 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
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srvsnzgb-lrvouqfqq/usjo
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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06/07/2021
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - FNYNXIN Company name: Shaw Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FNYNXIN. Company name: Shaw Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,937.47. £ 7,937.47. The premium includes all applicable insurance premium tax (IPT). Dear Miss Hayley Garner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20 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. £4,825.51. £4,825.51. Legal protection. £3,339.52. £3,339.52. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shaw 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 20 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 : FNYNXIN Company name: Shaw Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FNYNXIN Company name: Shaw Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,937.47 £ 7,937.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,937.47 £ 7,937.47 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Hayley Garner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20 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 £4,825.51 £4,825.51 Legal protection £3,339.52 £3,339.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shaw 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 20 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 20 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 £4,825.51 £4,825.51 Legal protection £3,339.52 £3,339.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shaw 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 20 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) £4,825.51 £3,339.52 £0.00 . This year’s annual Premium (exc IPT) £4,825.51 £3,339.52 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,825.51 £4,825.51 . Legal protection £3,339.52 £3,339.52 . 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: Hayley Garner 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 26/05/23 £7,937.47 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: FNYNXIN 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 Shaw 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:FNYNXIN Name of policy holder:Shaw Inc Period of insurance: From 20 September, 2024 to 03/09/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17 January, 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: 20 September, 2024 Insurance details Policy number: FNYNXIN Period of insurance: From 20 September, 2024 to 03/09/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Shaw Inc Address: 6 Martin crest East Jeremy FARNHAM E3 4UR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,287.77 Insurance Premium Tax (IPT): £35.13 Total charged premium: £7,937.47 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: £9,287.77 Insurance Premium Tax (IPT): £35.13 Annual total: £7,937.47 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 £4,825.51 Legal protection £100,000 £0 £3,339.52 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 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 17 January, 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
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FNYNXIN
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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20 September, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ua/ard/ Company name: Hewitt, Page and Brooks It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ua/ard/. Company name: Hewitt, Page and Brooks. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,659.63. £ 5,659.63. The premium includes all applicable insurance premium tax (IPT). Dear Mr Molly Moss. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 08 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. £617.59. £617.59. Legal protection. £362.72. £362.72. 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 Hewitt, Page and Brooks , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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 : ua/ard/ Company name: Hewitt, Page and Brooks . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ua/ard/ Company name: Hewitt, Page and Brooks . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,659.63 £ 5,659.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,659.63 £ 5,659.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Molly Moss . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 08 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 £617.59 £617.59 Legal protection £362.72 £362.72 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 Hewitt, Page and Brooks , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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 Sunday 08 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 £617.59 £617.59 Legal protection £362.72 £362.72 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 Hewitt, Page and Brooks , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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) £617.59 £362.72 £0.00 . This year’s annual Premium (exc IPT) £617.59 £362.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £617.59 £617.59 . Legal protection £362.72 £362.72 . 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: Molly Moss 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 2019-06-12 £5,659.63 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: ua/ard/ 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 Hewitt, Page and Brooks Hiscox Underwriting 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:ua/ard/ Name of policy holder:Hewitt, Page and Brooks Period of insurance: From Sunday 08 March, 2020 to 14/07/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19/03/22 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: Sunday 08 March, 2020 Insurance details Policy number: ua/ard/ Period of insurance: From Sunday 08 March, 2020 to 14/07/20 both days inclusive. This policy isa Continuing cover policy. Insured: Hewitt, Page and Brooks Address: 5 Amelia loop Wrightfort FARNHAM TA5 0ZS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,945.45 Insurance Premium Tax (IPT): £9,407.48 Total charged premium: £5,659.63 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: £7,945.45 Insurance Premium Tax (IPT): £9,407.48 Annual total: £5,659.63 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 £617.59 Legal protection £100,000 £0 £362.72 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: Sunday 08 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 19/03/22 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
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ua/ard/
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sunday 08 March, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - T2G/YI-TW9HA Company name: Hill LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T2G/YI-TW9HA. Company name: Hill LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,072.21. £ 9,072.21. The premium includes all applicable insurance premium tax (IPT). Dear Ms Fiona Thompson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/11/2020 . 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. £4,922.09. £4,922.09. Legal protection. £4,702.68. £4,702.68. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 19/11/2020 . 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 : T2G/YI-TW9HA Company name: Hill LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T2G/YI-TW9HA Company name: Hill LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,072.21 £ 9,072.21 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,072.21 £ 9,072.21 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Fiona Thompson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/11/2020 . 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 £4,922.09 £4,922.09 Legal protection £4,702.68 £4,702.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 19/11/2020 . 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 19/11/2020 . 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 £4,922.09 £4,922.09 Legal protection £4,702.68 £4,702.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 19/11/2020 . 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) £4,922.09 £4,702.68 £0.00 . This year’s annual Premium (exc IPT) £4,922.09 £4,702.68 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,922.09 £4,922.09 . Legal protection £4,702.68 £4,702.68 . 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: Fiona Thompson 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 22/05/25 £9,072.21 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: T2G/YI-TW9HA 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 Hill 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:T2G/YI-TW9HA Name of policy holder:Hill LLC Period of insurance: From 19/11/2020 to Tuesday 19 May, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20/07/23 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: 19/11/2020 Insurance details Policy number: T2G/YI-TW9HA Period of insurance: From 19/11/2020 to Tuesday 19 May, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Hill LLC Address: 87 Thorpe rue South Clareborough FARNHAM SE2R 1BU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,592.84 Insurance Premium Tax (IPT): £4,173.32 Total charged premium: £9,072.21 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: £8,592.84 Insurance Premium Tax (IPT): £4,173.32 Annual total: £9,072.21 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 £4,922.09 Legal protection £100,000 £0 £4,702.68 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: 19/11/2020 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 20/07/23 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
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T2G/YI-TW9HA
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19/11/2020
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - OIJ5A/1TSIOGUY9RE Company name: Yates Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OIJ5A/1TSIOGUY9RE. Company name: Yates Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,723.21. £ 7,723.21. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leah Powell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/11/2023 . 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. £14.82. £14.82. Legal protection. £6,247.30. £6,247.30. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Yates 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 15/11/2023 . 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 : OIJ5A/1TSIOGUY9RE Company name: Yates Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OIJ5A/1TSIOGUY9RE Company name: Yates Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,723.21 £ 7,723.21 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,723.21 £ 7,723.21 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leah Powell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/11/2023 . 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 £14.82 £14.82 Legal protection £6,247.30 £6,247.30 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Yates 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 15/11/2023 . 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 15/11/2023 . 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 £14.82 £14.82 Legal protection £6,247.30 £6,247.30 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Yates 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 15/11/2023 . 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) £14.82 £6,247.30 £0.00 . This year’s annual Premium (exc IPT) £14.82 £6,247.30 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £14.82 £14.82 . Legal protection £6,247.30 £6,247.30 . 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: Leah Powell 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 June, 2021 £7,723.21 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: OIJ5A/1TSIOGUY9RE 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 Yates 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:OIJ5A/1TSIOGUY9RE Name of policy holder:Yates Group Period of insurance: From 15/11/2023 to Tuesday 23 November, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-10-16 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: 15/11/2023 Insurance details Policy number: OIJ5A/1TSIOGUY9RE Period of insurance: From 15/11/2023 to Tuesday 23 November, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Yates Group Address: 170 Bibi square Griffinborough FARNHAM WR0 4ED Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,700.18 Insurance Premium Tax (IPT): £8,755.31 Total charged premium: £7,723.21 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: £6,700.18 Insurance Premium Tax (IPT): £8,755.31 Annual total: £7,723.21 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 £14.82 Legal protection £100,000 £0 £6,247.30 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: 15/11/2023 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 2024-10-16 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
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OIJ5A/1TSIOGUY9RE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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15/11/2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ut-nemo-at Company name: Parkinson Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ut-nemo-at. Company name: Parkinson Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 843.88. £ 843.88. The premium includes all applicable insurance premium tax (IPT). Dear Dr Hayley Butler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14/08/20 . 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. £1,284.81. £1,284.81. Legal protection. £3,145.54. £3,145.54. 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 Parkinson 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 14/08/20 . 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 : ut-nemo-at Company name: Parkinson Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ut-nemo-at Company name: Parkinson Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 843.88 £ 843.88 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 843.88 £ 843.88 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Hayley Butler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14/08/20 . 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 £1,284.81 £1,284.81 Legal protection £3,145.54 £3,145.54 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 Parkinson 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 14/08/20 . 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 14/08/20 . 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 £1,284.81 £1,284.81 Legal protection £3,145.54 £3,145.54 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 Parkinson 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 14/08/20 . 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) £1,284.81 £3,145.54 £0.00 . This year’s annual Premium (exc IPT) £1,284.81 £3,145.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,284.81 £1,284.81 . Legal protection £3,145.54 £3,145.54 . 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: Hayley Butler 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 11/04/2022 £843.88 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: ut-nemo-at 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 Parkinson 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:ut-nemo-at Name of policy holder:Parkinson Group Period of insurance: From 14/08/20 to 11 January, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 26/11/21 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: 14/08/20 Insurance details Policy number: ut-nemo-at Period of insurance: From 14/08/20 to 11 January, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Parkinson Group Address: Flat 58S Archer prairie Howardmouth FARNHAM HD1 3QL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,402.61 Insurance Premium Tax (IPT): £62.07 Total charged premium: £843.88 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: £7,402.61 Insurance Premium Tax (IPT): £62.07 Annual total: £843.88 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 £1,284.81 Legal protection £100,000 £0 £3,145.54 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: 14/08/20 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 26/11/21 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
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ut-nemo-at
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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14/08/20
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UVLBICCPMFUJ Company name: Holland, Jones and Moore It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UVLBICCPMFUJ. Company name: Holland, Jones and Moore. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 393.82. £ 393.82. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dorothy Murphy. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/12/2019 . 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. £6,117.26. £6,117.26. Legal protection. £3,378.28. £3,378.28. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holland, Jones and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/12/2019 . 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 : UVLBICCPMFUJ Company name: Holland, Jones and Moore . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UVLBICCPMFUJ Company name: Holland, Jones and Moore . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 393.82 £ 393.82 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 393.82 £ 393.82 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dorothy Murphy . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/12/2019 . 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 £6,117.26 £6,117.26 Legal protection £3,378.28 £3,378.28 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holland, Jones and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/12/2019 . 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 27/12/2019 . 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 £6,117.26 £6,117.26 Legal protection £3,378.28 £3,378.28 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holland, Jones and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/12/2019 . 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) £6,117.26 £3,378.28 £0.00 . This year’s annual Premium (exc IPT) £6,117.26 £3,378.28 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,117.26 £6,117.26 . Legal protection £3,378.28 £3,378.28 . 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: Dorothy Murphy 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 November, 2022 £393.82 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: UVLBICCPMFUJ 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 Holland, Jones and Moore Hiscox Underwriting 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:UVLBICCPMFUJ Name of policy holder:Holland, Jones and Moore Period of insurance: From 27/12/2019 to 10/10/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/01/23 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: 27/12/2019 Insurance details Policy number: UVLBICCPMFUJ Period of insurance: From 27/12/2019 to 10/10/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Holland, Jones and Moore Address: 65 Rachael highway Lake Sarah FARNHAM G02 3GF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,369.79 Insurance Premium Tax (IPT): £9,293.13 Total charged premium: £393.82 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: £3,369.79 Insurance Premium Tax (IPT): £9,293.13 Annual total: £393.82 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 £6,117.26 Legal protection £100,000 £0 £3,378.28 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: 27/12/2019 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 22/01/23 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
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UVLBICCPMFUJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27/12/2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - R/XEQYA4FL7HIC76//578 Company name: Jackson-Walsh It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R/XEQYA4FL7HIC76//578. Company name: Jackson-Walsh. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,430.51. £ 3,430.51. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Arthur Tyler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/04/2021 . 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. £725.11. £725.11. Legal protection. £4,476.01. £4,476.01. 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 Jackson-Walsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/04/2021 . 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 : R/XEQYA4FL7HIC76//578 Company name: Jackson-Walsh . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R/XEQYA4FL7HIC76//578 Company name: Jackson-Walsh . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,430.51 £ 3,430.51 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,430.51 £ 3,430.51 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Arthur Tyler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/04/2021 . 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 £725.11 £725.11 Legal protection £4,476.01 £4,476.01 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 Jackson-Walsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/04/2021 . 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 03/04/2021 . 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 £725.11 £725.11 Legal protection £4,476.01 £4,476.01 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 Jackson-Walsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 03/04/2021 . 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) £725.11 £4,476.01 £0.00 . This year’s annual Premium (exc IPT) £725.11 £4,476.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £725.11 £725.11 . Legal protection £4,476.01 £4,476.01 . 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: Dr Arthur Tyler 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 Thu 17 December, 2020 £3,430.51 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: R/XEQYA4FL7HIC76//578 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-Walsh Hiscox Underwriting 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:R/XEQYA4FL7HIC76//578 Name of policy holder:Jackson-Walsh Period of insurance: From 03/04/2021 to 30/06/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 14 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: 03/04/2021 Insurance details Policy number: R/XEQYA4FL7HIC76//578 Period of insurance: From 03/04/2021 to 30/06/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Jackson-Walsh Address: Flat 48B Mary motorway Singhside FARNHAM RM4A 1ZB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,093.94 Insurance Premium Tax (IPT): £8,205.29 Total charged premium: £3,430.51 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: £3,093.94 Insurance Premium Tax (IPT): £8,205.29 Annual total: £3,430.51 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 £725.11 Legal protection £100,000 £0 £4,476.01 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: 03/04/2021 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 Sunday 14 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
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R/XEQYA4FL7HIC76//578
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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03/04/2021
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - rcbgdcatdubrleoufvuj/uc Company name: Cook, Hargreaves and Brown It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rcbgdcatdubrleoufvuj/uc. Company name: Cook, Hargreaves and Brown. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,891.74. £ 6,891.74. The premium includes all applicable insurance premium tax (IPT). Dear Ms Tony Butler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 October, 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. £6,428.65. £6,428.65. Legal protection. £146.16. £146.16. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hargreaves 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 08 October, 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 : rcbgdcatdubrleoufvuj/uc Company name: Cook, Hargreaves and Brown . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rcbgdcatdubrleoufvuj/uc Company name: Cook, Hargreaves 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). £ 6,891.74 £ 6,891.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,891.74 £ 6,891.74 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Tony Butler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 October, 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 £6,428.65 £6,428.65 Legal protection £146.16 £146.16 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hargreaves 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 08 October, 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 08 October, 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 £6,428.65 £6,428.65 Legal protection £146.16 £146.16 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hargreaves 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 08 October, 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) £6,428.65 £146.16 £0.00 . This year’s annual Premium (exc IPT) £6,428.65 £146.16 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,428.65 £6,428.65 . Legal protection £146.16 £146.16 . 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: Tony Butler 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 28/09/23 £6,891.74 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: rcbgdcatdubrleoufvuj/uc 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, Hargreaves 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:rcbgdcatdubrleoufvuj/uc Name of policy holder:Cook, Hargreaves and Brown Period of insurance: From 08 October, 2019 to Friday 18 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30 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: 08 October, 2019 Insurance details Policy number: rcbgdcatdubrleoufvuj/uc Period of insurance: From 08 October, 2019 to Friday 18 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Cook, Hargreaves and Brown Address: Studio 3 Brett meadows Port Wayne FARNHAM B49 0LJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,242.14 Insurance Premium Tax (IPT): £7,496.91 Total charged premium: £6,891.74 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: £1,242.14 Insurance Premium Tax (IPT): £7,496.91 Annual total: £6,891.74 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 £6,428.65 Legal protection £100,000 £0 £146.16 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 October, 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 30 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
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rcbgdcatdubrleoufvuj/uc
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08 October, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - scyqkfselo_eh Company name: Peacock Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : scyqkfselo_eh. Company name: Peacock Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,187.46. £ 5,187.46. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mitchell Hughes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-08-07 . 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. £8,767.16. £8,767.16. Legal protection. £4,501.12. £4,501.12. 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 Peacock 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 2023-08-07 . 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 : scyqkfselo_eh Company name: Peacock Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : scyqkfselo_eh Company name: Peacock Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,187.46 £ 5,187.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,187.46 £ 5,187.46 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mitchell Hughes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-08-07 . 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 £8,767.16 £8,767.16 Legal protection £4,501.12 £4,501.12 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 Peacock 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 2023-08-07 . 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 2023-08-07 . 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 £8,767.16 £8,767.16 Legal protection £4,501.12 £4,501.12 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 Peacock 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 2023-08-07 . 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) £8,767.16 £4,501.12 £0.00 . This year’s annual Premium (exc IPT) £8,767.16 £4,501.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,767.16 £8,767.16 . Legal protection £4,501.12 £4,501.12 . 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: Mitchell Hughes 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 2021-07-15 £5,187.46 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: scyqkfselo_eh 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 Peacock 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:scyqkfselo_eh Name of policy holder:Peacock Group Period of insurance: From 2023-08-07 to 14/11/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20 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: 2023-08-07 Insurance details Policy number: scyqkfselo_eh Period of insurance: From 2023-08-07 to 14/11/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Peacock Group Address: Studio 07N Morris station Antonyview FARNHAM LE9X 2LX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £163.09 Insurance Premium Tax (IPT): £8,620.59 Total charged premium: £5,187.46 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: £163.09 Insurance Premium Tax (IPT): £8,620.59 Annual total: £5,187.46 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 £8,767.16 Legal protection £100,000 £0 £4,501.12 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: 2023-08-07 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 20 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
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scyqkfselo_eh
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2023-08-07
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ldstfqxacyrjscbs_yangeh Company name: Stephenson, Evans and Khan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ldstfqxacyrjscbs_yangeh. Company name: Stephenson, Evans and Khan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,126.30. £ 4,126.30. The premium includes all applicable insurance premium tax (IPT). Dear Ms Carol Warren. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/05/21 . 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. £427.76. £427.76. Legal protection. £5,720.52. £5,720.52. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stephenson, Evans 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 22/05/21 . 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 : ldstfqxacyrjscbs_yangeh Company name: Stephenson, Evans and Khan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ldstfqxacyrjscbs_yangeh Company name: Stephenson, Evans 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). £ 4,126.30 £ 4,126.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,126.30 £ 4,126.30 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Carol Warren . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/05/21 . 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 £427.76 £427.76 Legal protection £5,720.52 £5,720.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stephenson, Evans 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 22/05/21 . 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 22/05/21 . 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 £427.76 £427.76 Legal protection £5,720.52 £5,720.52 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stephenson, Evans 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 22/05/21 . 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) £427.76 £5,720.52 £0.00 . This year’s annual Premium (exc IPT) £427.76 £5,720.52 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £427.76 £427.76 . Legal protection £5,720.52 £5,720.52 . 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: Carol Warren 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 13/02/25 £4,126.30 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: ldstfqxacyrjscbs_yangeh 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 Stephenson, Evans 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:ldstfqxacyrjscbs_yangeh Name of policy holder:Stephenson, Evans and Khan Period of insurance: From 22/05/21 to 2025-03-13 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/12/2023 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: 22/05/21 Insurance details Policy number: ldstfqxacyrjscbs_yangeh Period of insurance: From 22/05/21 to 2025-03-13 both days inclusive. This policy isa Continuing cover policy. Insured: Stephenson, Evans and Khan Address: Studio 5 Sarah brook Marymouth FARNHAM CF4A 0RS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,146.42 Insurance Premium Tax (IPT): £3,415.23 Total charged premium: £4,126.30 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: £8,146.42 Insurance Premium Tax (IPT): £3,415.23 Annual total: £4,126.30 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 £427.76 Legal protection £100,000 £0 £5,720.52 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: 22/05/21 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 04/12/2023 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
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ldstfqxacyrjscbs_yangeh
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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22/05/21
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ZQN/VAFM1FV435AR74 Company name: Anderson-North It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZQN/VAFM1FV435AR74. Company name: Anderson-North. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,826.03. £ 2,826.03. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Paul Walsh. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/10/22 . 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. £9,988.81. £9,988.81. Legal protection. £55.71. £55.71. 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 Anderson-North , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/10/22 . 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 : ZQN/VAFM1FV435AR74 Company name: Anderson-North . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZQN/VAFM1FV435AR74 Company name: Anderson-North . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,826.03 £ 2,826.03 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,826.03 £ 2,826.03 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Paul Walsh . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/10/22 . 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 £9,988.81 £9,988.81 Legal protection £55.71 £55.71 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 Anderson-North , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/10/22 . 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 17/10/22 . 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 £9,988.81 £9,988.81 Legal protection £55.71 £55.71 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 Anderson-North , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/10/22 . 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) £9,988.81 £55.71 £0.00 . This year’s annual Premium (exc IPT) £9,988.81 £55.71 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,988.81 £9,988.81 . Legal protection £55.71 £55.71 . 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: Mr Paul Walsh 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 April, 2020 £2,826.03 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: ZQN/VAFM1FV435AR74 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-North Hiscox Underwriting 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:ZQN/VAFM1FV435AR74 Name of policy holder:Anderson-North Period of insurance: From 17/10/22 to 20 September, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 14 June, 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: 17/10/22 Insurance details Policy number: ZQN/VAFM1FV435AR74 Period of insurance: From 17/10/22 to 20 September, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Anderson-North Address: Studio 1 Hall port Mohammedfort FARNHAM IM4H 3PQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,149.48 Insurance Premium Tax (IPT): £8,866.38 Total charged premium: £2,826.03 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: £3,149.48 Insurance Premium Tax (IPT): £8,866.38 Annual total: £2,826.03 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 £9,988.81 Legal protection £100,000 £0 £55.71 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: 17/10/22 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 Wednesday 14 June, 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
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ZQN/VAFM1FV435AR74
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17/10/22
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Hiscox Business Insurance - Policy number - 6ENF/DJ_5A7K5ZI/9//2D5F Company name: Daniels, Stewart and Baker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ENF/DJ_5A7K5ZI/9//2D5F. Company name: Daniels, Stewart and Baker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,562.48. £ 7,562.48. The premium includes all applicable insurance premium tax (IPT). Dear Dr Elizabeth Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 24 November, 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. £4,278.92. £4,278.92. Legal protection. £1,064.72. £1,064.72. 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 Daniels, Stewart and 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 Monday 24 November, 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 : 6ENF/DJ_5A7K5ZI/9//2D5F Company name: Daniels, Stewart and Baker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ENF/DJ_5A7K5ZI/9//2D5F Company name: Daniels, Stewart and Baker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,562.48 £ 7,562.48 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,562.48 £ 7,562.48 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Elizabeth Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 24 November, 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 £4,278.92 £4,278.92 Legal protection £1,064.72 £1,064.72 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 Daniels, Stewart and 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 Monday 24 November, 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 November, 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 £4,278.92 £4,278.92 Legal protection £1,064.72 £1,064.72 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 Daniels, Stewart and 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 Monday 24 November, 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) £4,278.92 £1,064.72 £0.00 . This year’s annual Premium (exc IPT) £4,278.92 £1,064.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,278.92 £4,278.92 . Legal protection £1,064.72 £1,064.72 . 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: Elizabeth 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 Sat 08 November, 2025 £7,562.48 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: 6ENF/DJ_5A7K5ZI/9//2D5F 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 Daniels, Stewart and 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:6ENF/DJ_5A7K5ZI/9//2D5F Name of policy holder:Daniels, Stewart and Baker Period of insurance: From Monday 24 November, 2025 to 03 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10 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: Monday 24 November, 2025 Insurance details Policy number: 6ENF/DJ_5A7K5ZI/9//2D5F Period of insurance: From Monday 24 November, 2025 to 03 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Daniels, Stewart and Baker Address: Studio 40 Grant camp Poolestad FARNHAM SK8X 0GB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,762.70 Insurance Premium Tax (IPT): £770.01 Total charged premium: £7,562.48 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: £9,762.70 Insurance Premium Tax (IPT): £770.01 Annual total: £7,562.48 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 £4,278.92 Legal protection £100,000 £0 £1,064.72 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: Monday 24 November, 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 10 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
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6ENF/DJ_5A7K5ZI/9//2D5F
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Monday 24 November, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - LS.E-EUUM.QBTPE. Company name: Wood Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LS.E-EUUM.QBTPE.. Company name: Wood Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,210.10. £ 7,210.10. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gary Lowe. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 13 August, 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. £3,095.35. £3,095.35. Legal protection. £6,326.25. £6,326.25. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 13 August, 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 : LS.E-EUUM.QBTPE. Company name: Wood Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LS.E-EUUM.QBTPE. Company name: Wood Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,210.10 £ 7,210.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,210.10 £ 7,210.10 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gary Lowe . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 13 August, 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 £3,095.35 £3,095.35 Legal protection £6,326.25 £6,326.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 13 August, 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 Saturday 13 August, 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 £3,095.35 £3,095.35 Legal protection £6,326.25 £6,326.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 13 August, 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) £3,095.35 £6,326.25 £0.00 . This year’s annual Premium (exc IPT) £3,095.35 £6,326.25 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,095.35 £3,095.35 . Legal protection £6,326.25 £6,326.25 . 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: Gary Lowe 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 £7,210.10 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: LS.E-EUUM.QBTPE. 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 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:LS.E-EUUM.QBTPE. Name of policy holder:Wood Ltd Period of insurance: From Saturday 13 August, 2022 to 19 June, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10/10/2021 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: Saturday 13 August, 2022 Insurance details Policy number: LS.E-EUUM.QBTPE. Period of insurance: From Saturday 13 August, 2022 to 19 June, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Wood Ltd Address: 270 Nelson fall West Stevenhaven FARNHAM DN21 2PE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,375.85 Insurance Premium Tax (IPT): £352.29 Total charged premium: £7,210.10 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: £7,375.85 Insurance Premium Tax (IPT): £352.29 Annual total: £7,210.10 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 £3,095.35 Legal protection £100,000 £0 £6,326.25 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 13 August, 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 10/10/2021 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
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LS.E-EUUM.QBTPE.
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 13 August, 2022
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 1KB5T1S4K7UCB_.LNZJ8 Company name: Skinner, Mistry and Baker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1KB5T1S4K7UCB_.LNZJ8. Company name: Skinner, Mistry and Baker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,268.80. £ 2,268.80. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Emma Lawson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 04 June, 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. £7,639.39. £7,639.39. Legal protection. £8,938.78. £8,938.78. 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 Skinner, Mistry and 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 Wed 04 June, 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 : 1KB5T1S4K7UCB_.LNZJ8 Company name: Skinner, Mistry and Baker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1KB5T1S4K7UCB_.LNZJ8 Company name: Skinner, Mistry and Baker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,268.80 £ 2,268.80 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,268.80 £ 2,268.80 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Emma Lawson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 04 June, 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 £7,639.39 £7,639.39 Legal protection £8,938.78 £8,938.78 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 Skinner, Mistry and 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 Wed 04 June, 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 Wed 04 June, 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 £7,639.39 £7,639.39 Legal protection £8,938.78 £8,938.78 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 Skinner, Mistry and 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 Wed 04 June, 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) £7,639.39 £8,938.78 £0.00 . This year’s annual Premium (exc IPT) £7,639.39 £8,938.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,639.39 £7,639.39 . Legal protection £8,938.78 £8,938.78 . 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: Mrs Emma Lawson 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 02/01/24 £2,268.80 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: 1KB5T1S4K7UCB_.LNZJ8 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, Mistry and 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:1KB5T1S4K7UCB_.LNZJ8 Name of policy holder:Skinner, Mistry and Baker Period of insurance: From Wed 04 June, 2025 to Wed 01 December, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20/02/20 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: Wed 04 June, 2025 Insurance details Policy number: 1KB5T1S4K7UCB_.LNZJ8 Period of insurance: From Wed 04 June, 2025 to Wed 01 December, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Skinner, Mistry and Baker Address: 5 Brown run Damienmouth FARNHAM N0S 6TZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,228.74 Insurance Premium Tax (IPT): £2,694.00 Total charged premium: £2,268.80 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: £4,228.74 Insurance Premium Tax (IPT): £2,694.00 Annual total: £2,268.80 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 £7,639.39 Legal protection £100,000 £0 £8,938.78 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: Wed 04 June, 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 20/02/20 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
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1KB5T1S4K7UCB_.LNZJ8
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 04 June, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - XXQFWEL-E.WT Company name: Moore Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XXQFWEL-E.WT. Company name: Moore Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,587.15. £ 3,587.15. The premium includes all applicable insurance premium tax (IPT). Dear Ms Stephen Slater. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £248.93. £248.93. Legal protection. £4,617.14. £4,617.14. 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 Moore 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 07/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : XXQFWEL-E.WT Company name: Moore Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XXQFWEL-E.WT Company name: Moore Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,587.15 £ 3,587.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,587.15 £ 3,587.15 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Stephen Slater . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £248.93 £248.93 Legal protection £4,617.14 £4,617.14 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 Moore 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 07/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 07/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £248.93 £248.93 Legal protection £4,617.14 £4,617.14 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 Moore 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 07/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £248.93 £4,617.14 £0.00 . This year’s annual Premium (exc IPT) £248.93 £4,617.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £248.93 £248.93 . Legal protection £4,617.14 £4,617.14 . 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: Stephen Slater 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 09/04/20 £3,587.15 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: XXQFWEL-E.WT 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 Moore 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:XXQFWEL-E.WT Name of policy holder:Moore Ltd Period of insurance: From 07/08/19 to 08/01/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-12-02 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: 07/08/19 Insurance details Policy number: XXQFWEL-E.WT Period of insurance: From 07/08/19 to 08/01/22 both days inclusive. This policy isa Continuing cover policy. Insured: Moore Ltd Address: 897 Davies walk East Jean FARNHAM N1 9XZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,360.24 Insurance Premium Tax (IPT): £7,558.18 Total charged premium: £3,587.15 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: £3,360.24 Insurance Premium Tax (IPT): £7,558.18 Annual total: £3,587.15 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 £248.93 Legal protection £100,000 £0 £4,617.14 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: 07/08/19 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 2021-12-02 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
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XXQFWEL-E.WT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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07/08/19
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - R/G/YII Company name: Davies, Hart and Wood It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R/G/YII. Company name: Davies, Hart and Wood. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,944.20. £ 1,944.20. The premium includes all applicable insurance premium tax (IPT). Dear Mr Aimee Patel. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13 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. £289.26. £289.26. Legal protection. £5,437.98. £5,437.98. 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 Davies, Hart and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : R/G/YII Company name: Davies, Hart and Wood . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : R/G/YII Company name: Davies, Hart and Wood . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,944.20 £ 1,944.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,944.20 £ 1,944.20 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Aimee Patel . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13 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 £289.26 £289.26 Legal protection £5,437.98 £5,437.98 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 Davies, Hart and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 13 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 £289.26 £289.26 Legal protection £5,437.98 £5,437.98 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 Davies, Hart and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £289.26 £5,437.98 £0.00 . This year’s annual Premium (exc IPT) £289.26 £5,437.98 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £289.26 £289.26 . Legal protection £5,437.98 £5,437.98 . 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: Aimee Patel 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 29 June, 2025 £1,944.20 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: R/G/YII 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, Hart and Wood Hiscox Underwriting 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:R/G/YII Name of policy holder:Davies, Hart and Wood Period of insurance: From 13 March, 2020 to 28/03/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/09/22 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: 13 March, 2020 Insurance details Policy number: R/G/YII Period of insurance: From 13 March, 2020 to 28/03/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Davies, Hart and Wood Address: Studio 93t Jacob stravenue Waltersshire FARNHAM NR0 6PJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,846.37 Insurance Premium Tax (IPT): £9,032.43 Total charged premium: £1,944.20 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: £4,846.37 Insurance Premium Tax (IPT): £9,032.43 Annual total: £1,944.20 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 £289.26 Legal protection £100,000 £0 £5,437.98 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: 13 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 24/09/22 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
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R/G/YII
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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13 March, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - qoqdgtpod_g/rfrofpx Company name: Ryan PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qoqdgtpod_g/rfrofpx. Company name: Ryan PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,338.39. £ 6,338.39. The premium includes all applicable insurance premium tax (IPT). Dear Dr James Hall. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 27 August, 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. £1,988.51. £1,988.51. Legal protection. £7,958.03. £7,958.03. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ryan 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 Thu 27 August, 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 : qoqdgtpod_g/rfrofpx Company name: Ryan PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qoqdgtpod_g/rfrofpx Company name: Ryan PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,338.39 £ 6,338.39 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,338.39 £ 6,338.39 . The premium includes all applicable insurance premium tax (IPT). Dear Dr James Hall . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 27 August, 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 £1,988.51 £1,988.51 Legal protection £7,958.03 £7,958.03 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ryan 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 Thu 27 August, 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 Thu 27 August, 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 £1,988.51 £1,988.51 Legal protection £7,958.03 £7,958.03 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ryan 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 Thu 27 August, 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) £1,988.51 £7,958.03 £0.00 . This year’s annual Premium (exc IPT) £1,988.51 £7,958.03 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,988.51 £1,988.51 . Legal protection £7,958.03 £7,958.03 . 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 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 02/01/24 £6,338.39 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: qoqdgtpod_g/rfrofpx 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 Ryan 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:qoqdgtpod_g/rfrofpx Name of policy holder:Ryan PLC Period of insurance: From Thu 27 August, 2020 to 05/05/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-03-07 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: Thu 27 August, 2020 Insurance details Policy number: qoqdgtpod_g/rfrofpx Period of insurance: From Thu 27 August, 2020 to 05/05/23 both days inclusive. This policy isa Continuing cover policy. Insured: Ryan PLC Address: 490 Zoe turnpike East Bryan FARNHAM G9 4HG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,118.48 Insurance Premium Tax (IPT): £5,670.29 Total charged premium: £6,338.39 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: £9,118.48 Insurance Premium Tax (IPT): £5,670.29 Annual total: £6,338.39 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 £1,988.51 Legal protection £100,000 £0 £7,958.03 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: Thu 27 August, 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 2020-03-07 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
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qoqdgtpod_g/rfrofpx
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Thu 27 August, 2020
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - eyyfy.pwjb-_.ik Company name: Armstrong and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : eyyfy.pwjb-_.ik. Company name: Armstrong and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,552.65. £ 9,552.65. The premium includes all applicable insurance premium tax (IPT). Dear Ms Susan Price-Khan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 November, 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. £594.75. £594.75. Legal protection. £9,167.58. £9,167.58. 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 Armstrong 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 22 November, 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 : eyyfy.pwjb-_.ik Company name: Armstrong and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : eyyfy.pwjb-_.ik Company name: Armstrong 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). £ 9,552.65 £ 9,552.65 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,552.65 £ 9,552.65 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Susan Price-Khan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 November, 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 £594.75 £594.75 Legal protection £9,167.58 £9,167.58 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 Armstrong 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 22 November, 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 22 November, 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 £594.75 £594.75 Legal protection £9,167.58 £9,167.58 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 Armstrong 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 22 November, 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) £594.75 £9,167.58 £0.00 . This year’s annual Premium (exc IPT) £594.75 £9,167.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £594.75 £594.75 . Legal protection £9,167.58 £9,167.58 . 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: Susan Price-Khan 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 20 August, 2023 £9,552.65 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: eyyfy.pwjb-_.ik 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 Armstrong 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:eyyfy.pwjb-_.ik Name of policy holder:Armstrong and Sons Period of insurance: From 22 November, 2025 to 01/04/20 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: 22 November, 2025 Insurance details Policy number: eyyfy.pwjb-_.ik Period of insurance: From 22 November, 2025 to 01/04/20 both days inclusive. This policy isa Continuing cover policy. Insured: Armstrong and Sons Address: Flat 11 Lee mountains Crosstown FARNHAM W34 0SH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £304.49 Insurance Premium Tax (IPT): £4,009.83 Total charged premium: £9,552.65 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: £304.49 Insurance Premium Tax (IPT): £4,009.83 Annual total: £9,552.65 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 £594.75 Legal protection £100,000 £0 £9,167.58 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: 22 November, 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 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
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eyyfy.pwjb-_.ik
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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22 November, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 1AG//JWGT2WFNZSWCNPXP Company name: Simpson-Barrett It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1AG//JWGT2WFNZSWCNPXP. Company name: Simpson-Barrett. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 755.14. £ 755.14. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leslie Bowen. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 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. £4,967.65. £4,967.65. Legal protection. £1,832.96. £1,832.96. 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 Simpson-Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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 : 1AG//JWGT2WFNZSWCNPXP Company name: Simpson-Barrett . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1AG//JWGT2WFNZSWCNPXP Company name: Simpson-Barrett . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 755.14 £ 755.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 755.14 £ 755.14 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leslie Bowen . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 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 £4,967.65 £4,967.65 Legal protection £1,832.96 £1,832.96 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 Simpson-Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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 Saturday 08 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 £4,967.65 £4,967.65 Legal protection £1,832.96 £1,832.96 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 Simpson-Barrett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 08 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) £4,967.65 £1,832.96 £0.00 . This year’s annual Premium (exc IPT) £4,967.65 £1,832.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,967.65 £4,967.65 . Legal protection £1,832.96 £1,832.96 . 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: Leslie Bowen 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 05/07/2020 £755.14 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: 1AG//JWGT2WFNZSWCNPXP 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 Simpson-Barrett Hiscox Underwriting 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:1AG//JWGT2WFNZSWCNPXP Name of policy holder:Simpson-Barrett Period of insurance: From Saturday 08 October, 2022 to Thu 11 December, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 23 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 08 October, 2022 Insurance details Policy number: 1AG//JWGT2WFNZSWCNPXP Period of insurance: From Saturday 08 October, 2022 to Thu 11 December, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Simpson-Barrett Address: Flat 68 Nolan roads West Tracey FARNHAM B9 1ZJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,238.51 Insurance Premium Tax (IPT): £7,092.18 Total charged premium: £755.14 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: £1,238.51 Insurance Premium Tax (IPT): £7,092.18 Annual total: £755.14 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 £4,967.65 Legal protection £100,000 £0 £1,832.96 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: Saturday 08 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 Sun 23 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
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1AG//JWGT2WFNZSWCNPXP
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 08 October, 2022
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - N1MAGNLD1U/VY.Z37BR3 Company name: Peters LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : N1MAGNLD1U/VY.Z37BR3. Company name: Peters LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,264.64. £ 4,264.64. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Abdul Barlow. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 19 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. £6,770.49. £6,770.49. Legal protection. £3,222.23. £3,222.23. 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 Peters 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 Tuesday 19 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 : N1MAGNLD1U/VY.Z37BR3 Company name: Peters LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : N1MAGNLD1U/VY.Z37BR3 Company name: Peters LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,264.64 £ 4,264.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,264.64 £ 4,264.64 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Abdul Barlow . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 19 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 £6,770.49 £6,770.49 Legal protection £3,222.23 £3,222.23 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 Peters 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 Tuesday 19 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 Tuesday 19 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 £6,770.49 £6,770.49 Legal protection £3,222.23 £3,222.23 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 Peters 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 Tuesday 19 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) £6,770.49 £3,222.23 £0.00 . This year’s annual Premium (exc IPT) £6,770.49 £3,222.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,770.49 £6,770.49 . Legal protection £3,222.23 £3,222.23 . 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: Abdul Barlow 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 Thu 22 October, 2020 £4,264.64 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: N1MAGNLD1U/VY.Z37BR3 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 Peters 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:N1MAGNLD1U/VY.Z37BR3 Name of policy holder:Peters LLC Period of insurance: From Tuesday 19 January, 2021 to 13/01/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-02-13 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: Tuesday 19 January, 2021 Insurance details Policy number: N1MAGNLD1U/VY.Z37BR3 Period of insurance: From Tuesday 19 January, 2021 to 13/01/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Peters LLC Address: Flat 4 Geraldine ports Evansfort FARNHAM BB7 0GL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,394.92 Insurance Premium Tax (IPT): £5,258.90 Total charged premium: £4,264.64 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: £8,394.92 Insurance Premium Tax (IPT): £5,258.90 Annual total: £4,264.64 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 £6,770.49 Legal protection £100,000 £0 £3,222.23 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: Tuesday 19 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 2025-02-13 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
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N1MAGNLD1U/VY.Z37BR3
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 19 January, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 7/RPQPZNGIX-2CFBXCQUK/EVE Company name: Williams LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7/RPQPZNGIX-2CFBXCQUK/EVE. Company name: Williams LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,230.50. £ 4,230.50. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Rebecca Murray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 10 October, 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. £7,643.99. £7,643.99. Legal protection. £2,759.63. £2,759.63. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 October, 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 : 7/RPQPZNGIX-2CFBXCQUK/EVE Company name: Williams LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7/RPQPZNGIX-2CFBXCQUK/EVE 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). £ 4,230.50 £ 4,230.50 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,230.50 £ 4,230.50 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Rebecca Murray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 10 October, 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 £7,643.99 £7,643.99 Legal protection £2,759.63 £2,759.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 October, 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 Thu 10 October, 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 £7,643.99 £7,643.99 Legal protection £2,759.63 £2,759.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 October, 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) £7,643.99 £2,759.63 £0.00 . This year’s annual Premium (exc IPT) £7,643.99 £2,759.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,643.99 £7,643.99 . Legal protection £2,759.63 £2,759.63 . 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 Rebecca Murray 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 28/07/21 £4,230.50 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/RPQPZNGIX-2CFBXCQUK/EVE 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:7/RPQPZNGIX-2CFBXCQUK/EVE Name of policy holder:Williams LLC Period of insurance: From Thu 10 October, 2024 to 05/11/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 27 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: Thu 10 October, 2024 Insurance details Policy number: 7/RPQPZNGIX-2CFBXCQUK/EVE Period of insurance: From Thu 10 October, 2024 to 05/11/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Williams LLC Address: Studio 26 Andrews ways North Melissafurt FARNHAM E27 3XF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,354.53 Insurance Premium Tax (IPT): £5,657.64 Total charged premium: £4,230.50 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: £5,354.53 Insurance Premium Tax (IPT): £5,657.64 Annual total: £4,230.50 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 £7,643.99 Legal protection £100,000 £0 £2,759.63 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: Thu 10 October, 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 Saturday 27 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
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7/RPQPZNGIX-2CFBXCQUK/EVE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 10 October, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 0R946N5ZBORHAB947_QACUA Company name: Cooper-Dixon It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0R946N5ZBORHAB947_QACUA. Company name: Cooper-Dixon. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,608.21. £ 5,608.21. The premium includes all applicable insurance premium tax (IPT). Dear Mr Tom Clayton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/04/2023 . 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. £4,771.01. £4,771.01. Legal protection. £5,248.10. £5,248.10. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/04/2023 . 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 : 0R946N5ZBORHAB947_QACUA Company name: Cooper-Dixon . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0R946N5ZBORHAB947_QACUA Company name: Cooper-Dixon . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,608.21 £ 5,608.21 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,608.21 £ 5,608.21 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Tom Clayton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/04/2023 . 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 £4,771.01 £4,771.01 Legal protection £5,248.10 £5,248.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/04/2023 . 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 02/04/2023 . 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 £4,771.01 £4,771.01 Legal protection £5,248.10 £5,248.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/04/2023 . 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) £4,771.01 £5,248.10 £0.00 . This year’s annual Premium (exc IPT) £4,771.01 £5,248.10 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,771.01 £4,771.01 . Legal protection £5,248.10 £5,248.10 . 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: Tom Clayton 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 13 September, 2020 £5,608.21 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: 0R946N5ZBORHAB947_QACUA 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 Cooper-Dixon Hiscox Underwriting 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:0R946N5ZBORHAB947_QACUA Name of policy holder:Cooper-Dixon Period of insurance: From 02/04/2023 to 02 August, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-06-18 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: 02/04/2023 Insurance details Policy number: 0R946N5ZBORHAB947_QACUA Period of insurance: From 02/04/2023 to 02 August, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Cooper-Dixon Address: Studio 8 Geoffrey crossing New Brian FARNHAM L4G 2QF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,898.02 Insurance Premium Tax (IPT): £5,982.53 Total charged premium: £5,608.21 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: £2,898.02 Insurance Premium Tax (IPT): £5,982.53 Annual total: £5,608.21 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 £4,771.01 Legal protection £100,000 £0 £5,248.10 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: 02/04/2023 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 2023-06-18 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
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Hiscox Business Insurance - Policy number - 0ID/809.QK Company name: Smith Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0ID/809.QK. Company name: Smith Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,281.39. £ 4,281.39. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gavin Jones-Cox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 09 May, 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. £5,418.35. £5,418.35. Legal protection. £466.65. £466.65. 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 Smith 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 Tuesday 09 May, 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 : 0ID/809.QK Company name: Smith Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0ID/809.QK Company name: Smith Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,281.39 £ 4,281.39 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,281.39 £ 4,281.39 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gavin Jones-Cox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 09 May, 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 £5,418.35 £5,418.35 Legal protection £466.65 £466.65 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 Smith 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 Tuesday 09 May, 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 09 May, 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 £5,418.35 £5,418.35 Legal protection £466.65 £466.65 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 Smith 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 Tuesday 09 May, 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) £5,418.35 £466.65 £0.00 . This year’s annual Premium (exc IPT) £5,418.35 £466.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,418.35 £5,418.35 . Legal protection £466.65 £466.65 . 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: Gavin Jones-Cox 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 12/10/2024 £4,281.39 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: 0ID/809.QK 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 Smith 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:0ID/809.QK Name of policy holder:Smith Ltd Period of insurance: From Tuesday 09 May, 2023 to Wed 15 July, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08 March, 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: Tuesday 09 May, 2023 Insurance details Policy number: 0ID/809.QK Period of insurance: From Tuesday 09 May, 2023 to Wed 15 July, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Ltd Address: 7 Davies stravenue Lake Carolyn FARNHAM LS5 1NU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,840.66 Insurance Premium Tax (IPT): £1,543.76 Total charged premium: £4,281.39 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: £4,840.66 Insurance Premium Tax (IPT): £1,543.76 Annual total: £4,281.39 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 £5,418.35 Legal protection £100,000 £0 £466.65 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: Tuesday 09 May, 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 March, 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
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0ID/809.QK
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 09 May, 2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 4-SXDE65 Company name: Forster-Martin It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4-SXDE65. Company name: Forster-Martin. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,054.31. £ 7,054.31. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dominic Clarke. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/2020 . 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. £1,407.23. £1,407.23. Legal protection. £8,154.36. £8,154.36. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Forster-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/11/2020 . 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 : 4-SXDE65 Company name: Forster-Martin . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4-SXDE65 Company name: Forster-Martin . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,054.31 £ 7,054.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,054.31 £ 7,054.31 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dominic Clarke . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/2020 . 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 £1,407.23 £1,407.23 Legal protection £8,154.36 £8,154.36 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Forster-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/11/2020 . 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 17/11/2020 . 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 £1,407.23 £1,407.23 Legal protection £8,154.36 £8,154.36 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Forster-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/11/2020 . 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) £1,407.23 £8,154.36 £0.00 . This year’s annual Premium (exc IPT) £1,407.23 £8,154.36 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,407.23 £1,407.23 . Legal protection £8,154.36 £8,154.36 . 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: Dominic 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 14 August, 2022 £7,054.31 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: 4-SXDE65 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 Forster-Martin Hiscox Underwriting 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:4-SXDE65 Name of policy holder:Forster-Martin Period of insurance: From 17/11/2020 to Sat 07 September, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/04/2024 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: 17/11/2020 Insurance details Policy number: 4-SXDE65 Period of insurance: From 17/11/2020 to Sat 07 September, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Forster-Martin Address: 8 Bell stream West Joemouth FARNHAM LS85 5ZU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,591.11 Insurance Premium Tax (IPT): £1,223.17 Total charged premium: £7,054.31 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: £2,591.11 Insurance Premium Tax (IPT): £1,223.17 Annual total: £7,054.31 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 £1,407.23 Legal protection £100,000 £0 £8,154.36 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: 17/11/2020 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 22/04/2024 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
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4-SXDE65
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17/11/2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - C-M/YYQHXYURUAVBUH Company name: Bradley-Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : C-M/YYQHXYURUAVBUH. Company name: Bradley-Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,169.90. £ 2,169.90. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mandy Rose. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 February, 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. £591.14. £591.14. Legal protection. £3,654.35. £3,654.35. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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 : C-M/YYQHXYURUAVBUH Company name: Bradley-Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : C-M/YYQHXYURUAVBUH Company name: Bradley-Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,169.90 £ 2,169.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,169.90 £ 2,169.90 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mandy Rose . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 February, 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 £591.14 £591.14 Legal protection £3,654.35 £3,654.35 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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 24 February, 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 £591.14 £591.14 Legal protection £3,654.35 £3,654.35 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 February, 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) £591.14 £3,654.35 £0.00 . This year’s annual Premium (exc IPT) £591.14 £3,654.35 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £591.14 £591.14 . Legal protection £3,654.35 £3,654.35 . 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: Mandy Rose 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 10/07/20 £2,169.90 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: C-M/YYQHXYURUAVBUH 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-Davies Hiscox Underwriting 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:C-M/YYQHXYURUAVBUH Name of policy holder:Bradley-Davies Period of insurance: From 24 February, 2020 to 2021-06-05 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-12-24 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: 24 February, 2020 Insurance details Policy number: C-M/YYQHXYURUAVBUH Period of insurance: From 24 February, 2020 to 2021-06-05 both days inclusive. This policy isa Continuing cover policy. Insured: Bradley-Davies Address: Flat 4 Cooke tunnel O'Connorfort FARNHAM JE44 0NL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,537.60 Insurance Premium Tax (IPT): £234.63 Total charged premium: £2,169.90 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: £6,537.60 Insurance Premium Tax (IPT): £234.63 Annual total: £2,169.90 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 £591.14 Legal protection £100,000 £0 £3,654.35 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 February, 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 2022-12-24 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
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C-M/YYQHXYURUAVBUH
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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24 February, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - kkdudklbx-abqi Company name: Lowe-Clark It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kkdudklbx-abqi. Company name: Lowe-Clark. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 506.87. £ 506.87. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Tom Gallagher-Parkin. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 14 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. £8,355.66. £8,355.66. Legal protection. £8,518.93. £8,518.93. 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 Lowe-Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 14 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 : kkdudklbx-abqi Company name: Lowe-Clark . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kkdudklbx-abqi Company name: Lowe-Clark . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 506.87 £ 506.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 506.87 £ 506.87 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Tom Gallagher-Parkin . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 14 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 £8,355.66 £8,355.66 Legal protection £8,518.93 £8,518.93 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 Lowe-Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 14 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 Tue 14 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 £8,355.66 £8,355.66 Legal protection £8,518.93 £8,518.93 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 Lowe-Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 14 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) £8,355.66 £8,518.93 £0.00 . This year’s annual Premium (exc IPT) £8,355.66 £8,518.93 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,355.66 £8,355.66 . Legal protection £8,518.93 £8,518.93 . 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: Tom Gallagher-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 27/05/2021 £506.87 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: kkdudklbx-abqi 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 Lowe-Clark Hiscox Underwriting 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:kkdudklbx-abqi Name of policy holder:Lowe-Clark Period of insurance: From Tue 14 November, 2023 to 2022-12-21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-03-24 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: Tue 14 November, 2023 Insurance details Policy number: kkdudklbx-abqi Period of insurance: From Tue 14 November, 2023 to 2022-12-21 both days inclusive. This policy isa Continuing cover policy. Insured: Lowe-Clark Address: 86 Cooke land Port Victor FARNHAM LL2Y 3EW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,304.35 Insurance Premium Tax (IPT): £5,929.04 Total charged premium: £506.87 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: £6,304.35 Insurance Premium Tax (IPT): £5,929.04 Annual total: £506.87 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 £8,355.66 Legal protection £100,000 £0 £8,518.93 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: Tue 14 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 2021-03-24 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
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kkdudklbx-abqi
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 14 November, 2023
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - DYTXNGYCCDGPUYU Company name: Smith-Hawkins It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DYTXNGYCCDGPUYU. Company name: Smith-Hawkins. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,759.54. £ 6,759.54. The premium includes all applicable insurance premium tax (IPT). Dear Dr Aaron Banks. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 09 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. £7,074.23. £7,074.23. Legal protection. £2,546.97. £2,546.97. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-Hawkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 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 : DYTXNGYCCDGPUYU Company name: Smith-Hawkins . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DYTXNGYCCDGPUYU Company name: Smith-Hawkins . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,759.54 £ 6,759.54 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,759.54 £ 6,759.54 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Aaron Banks . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 09 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 £7,074.23 £7,074.23 Legal protection £2,546.97 £2,546.97 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-Hawkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 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 Wednesday 09 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 £7,074.23 £7,074.23 Legal protection £2,546.97 £2,546.97 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-Hawkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 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) £7,074.23 £2,546.97 £0.00 . This year’s annual Premium (exc IPT) £7,074.23 £2,546.97 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,074.23 £7,074.23 . Legal protection £2,546.97 £2,546.97 . 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: Aaron Banks 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 17 October, 2019 £6,759.54 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: DYTXNGYCCDGPUYU 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 Smith-Hawkins Hiscox Underwriting 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:DYTXNGYCCDGPUYU Name of policy holder:Smith-Hawkins Period of insurance: From Wednesday 09 July, 2025 to Monday 28 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 21 March, 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: Wednesday 09 July, 2025 Insurance details Policy number: DYTXNGYCCDGPUYU Period of insurance: From Wednesday 09 July, 2025 to Monday 28 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Smith-Hawkins Address: Studio 05 Simon court Valeriefurt FARNHAM N8 4SJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,639.39 Insurance Premium Tax (IPT): £340.00 Total charged premium: £6,759.54 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: £2,639.39 Insurance Premium Tax (IPT): £340.00 Annual total: £6,759.54 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 £7,074.23 Legal protection £100,000 £0 £2,546.97 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 09 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 Saturday 21 March, 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
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DYTXNGYCCDGPUYU
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 09 July, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - dq./tk/hiorl. Company name: Bishop and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dq./tk/hiorl.. Company name: Bishop and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 945.47. £ 945.47. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr William Hawkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-10-02 . 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. £6,538.28. £6,538.28. Legal protection. £290.45. £290.45. 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 Bishop 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 2025-10-02 . 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 : dq./tk/hiorl. Company name: Bishop and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dq./tk/hiorl. Company name: Bishop 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). £ 945.47 £ 945.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 945.47 £ 945.47 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr William Hawkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-10-02 . 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 £6,538.28 £6,538.28 Legal protection £290.45 £290.45 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 Bishop 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 2025-10-02 . 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 2025-10-02 . 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 £6,538.28 £6,538.28 Legal protection £290.45 £290.45 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 Bishop 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 2025-10-02 . 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) £6,538.28 £290.45 £0.00 . This year’s annual Premium (exc IPT) £6,538.28 £290.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,538.28 £6,538.28 . Legal protection £290.45 £290.45 . 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: Dr William Hawkins 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 March, 2024 £945.47 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: dq./tk/hiorl. 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 Bishop 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:dq./tk/hiorl. Name of policy holder:Bishop and Sons Period of insurance: From 2025-10-02 to 20/11/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/06/2019 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: 2025-10-02 Insurance details Policy number: dq./tk/hiorl. Period of insurance: From 2025-10-02 to 20/11/20 both days inclusive. This policy isa Continuing cover policy. Insured: Bishop and Sons Address: 3 Baker stravenue West Valeriemouth FARNHAM NW3 2BN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,168.80 Insurance Premium Tax (IPT): £2,066.31 Total charged premium: £945.47 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: £9,168.80 Insurance Premium Tax (IPT): £2,066.31 Annual total: £945.47 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 £6,538.28 Legal protection £100,000 £0 £290.45 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: 2025-10-02 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 27/06/2019 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
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dq./tk/hiorl.
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2025-10-02
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - pz-gzzaufe/_ic Company name: Hill-Gibbs It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pz-gzzaufe/_ic. Company name: Hill-Gibbs. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,731.58. £ 3,731.58. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Max Phillips. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/09/21 . 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. £5,177.51. £5,177.51. Legal protection. £9,000.62. £9,000.62. 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 Hill-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/21 . 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 : pz-gzzaufe/_ic Company name: Hill-Gibbs . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pz-gzzaufe/_ic Company name: Hill-Gibbs . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,731.58 £ 3,731.58 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,731.58 £ 3,731.58 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Max Phillips . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/09/21 . 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 £5,177.51 £5,177.51 Legal protection £9,000.62 £9,000.62 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 Hill-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/21 . 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 28/09/21 . 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 £5,177.51 £5,177.51 Legal protection £9,000.62 £9,000.62 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 Hill-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/21 . 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) £5,177.51 £9,000.62 £0.00 . This year’s annual Premium (exc IPT) £5,177.51 £9,000.62 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,177.51 £5,177.51 . Legal protection £9,000.62 £9,000.62 . 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: Dr Max Phillips 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 08/04/2022 £3,731.58 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: pz-gzzaufe/_ic 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 Hill-Gibbs Hiscox Underwriting 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:pz-gzzaufe/_ic Name of policy holder:Hill-Gibbs Period of insurance: From 28/09/21 to Tue 13 August, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 30 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: 28/09/21 Insurance details Policy number: pz-gzzaufe/_ic Period of insurance: From 28/09/21 to Tue 13 August, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Hill-Gibbs Address: 409 Nash forges Lake Abbie FARNHAM DT88 8BY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,000.81 Insurance Premium Tax (IPT): £273.92 Total charged premium: £3,731.58 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: £4,000.81 Insurance Premium Tax (IPT): £273.92 Annual total: £3,731.58 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 £5,177.51 Legal protection £100,000 £0 £9,000.62 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: 28/09/21 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 Mon 30 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
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pz-gzzaufe/_ic
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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28/09/21
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - LOPHPNGW0 Company name: Smith Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LOPHPNGW0. Company name: Smith Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,996.57. £ 4,996.57. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Naomi O'Neill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 November, 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. £2,777.37. £2,777.37. Legal protection. £4,745.40. £4,745.40. 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 Smith 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 17 November, 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 : LOPHPNGW0 Company name: Smith Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LOPHPNGW0 Company name: Smith Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,996.57 £ 4,996.57 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,996.57 £ 4,996.57 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Naomi O'Neill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 November, 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 £2,777.37 £2,777.37 Legal protection £4,745.40 £4,745.40 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 Smith 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 17 November, 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 17 November, 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 £2,777.37 £2,777.37 Legal protection £4,745.40 £4,745.40 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 Smith 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 17 November, 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) £2,777.37 £4,745.40 £0.00 . This year’s annual Premium (exc IPT) £2,777.37 £4,745.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,777.37 £2,777.37 . Legal protection £4,745.40 £4,745.40 . 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: Miss Naomi O'Neill 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 07/04/22 £4,996.57 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: LOPHPNGW0 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 Smith 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:LOPHPNGW0 Name of policy holder:Smith Group Period of insurance: From 17 November, 2024 to 25/03/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 07/03/2023 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: 17 November, 2024 Insurance details Policy number: LOPHPNGW0 Period of insurance: From 17 November, 2024 to 25/03/25 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Group Address: 865 Jasmine estates Port Rachelfurt FARNHAM BT0 8ZT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,363.93 Insurance Premium Tax (IPT): £2,145.13 Total charged premium: £4,996.57 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: £9,363.93 Insurance Premium Tax (IPT): £2,145.13 Annual total: £4,996.57 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 £2,777.37 Legal protection £100,000 £0 £4,745.40 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: 17 November, 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 07/03/2023 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
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LOPHPNGW0
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17 November, 2024
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2024-02-05
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Hiscox Business Insurance - Policy number - IGG/QWMU/FBM Company name: Saunders-May It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IGG/QWMU/FBM. Company name: Saunders-May. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,839.09. £ 9,839.09. The premium includes all applicable insurance premium tax (IPT). Dear Mr Joanne Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 July, 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. £8,461.67. £8,461.67. Legal protection. £2,123.35. £2,123.35. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-May , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 July, 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 : IGG/QWMU/FBM Company name: Saunders-May . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IGG/QWMU/FBM Company name: Saunders-May . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,839.09 £ 9,839.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,839.09 £ 9,839.09 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Joanne Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 July, 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 £8,461.67 £8,461.67 Legal protection £2,123.35 £2,123.35 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-May , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 July, 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 27 July, 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 £8,461.67 £8,461.67 Legal protection £2,123.35 £2,123.35 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-May , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 July, 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) £8,461.67 £2,123.35 £0.00 . This year’s annual Premium (exc IPT) £8,461.67 £2,123.35 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,461.67 £8,461.67 . Legal protection £2,123.35 £2,123.35 . 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: Joanne 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 17 November, 2024 £9,839.09 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: IGG/QWMU/FBM 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-May Hiscox Underwriting 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:IGG/QWMU/FBM Name of policy holder:Saunders-May Period of insurance: From Sat 27 July, 2024 to 24/11/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 19 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: Sat 27 July, 2024 Insurance details Policy number: IGG/QWMU/FBM Period of insurance: From Sat 27 July, 2024 to 24/11/25 both days inclusive. This policy isa Continuing cover policy. Insured: Saunders-May Address: 05 Josephine lane Lake Carole FARNHAM AB2 8YX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,210.89 Insurance Premium Tax (IPT): £1,931.62 Total charged premium: £9,839.09 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: £5,210.89 Insurance Premium Tax (IPT): £1,931.62 Annual total: £9,839.09 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 £8,461.67 Legal protection £100,000 £0 £2,123.35 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 27 July, 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 Thu 19 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
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IGG/QWMU/FBM
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 27 July, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - DBCUYBIHYZONE Company name: Wilson Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DBCUYBIHYZONE. Company name: Wilson Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,826.71. £ 7,826.71. The premium includes all applicable insurance premium tax (IPT). Dear Miss Miss Amelia Shah. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,622.30. £4,622.30. Legal protection. £8,736.59. £8,736.59. 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 Wilson 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 16/04/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : DBCUYBIHYZONE Company name: Wilson Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DBCUYBIHYZONE Company name: Wilson Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,826.71 £ 7,826.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,826.71 £ 7,826.71 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Miss Amelia Shah . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,622.30 £4,622.30 Legal protection £8,736.59 £8,736.59 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 Wilson 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 16/04/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 16/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,622.30 £4,622.30 Legal protection £8,736.59 £8,736.59 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 Wilson 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 16/04/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £4,622.30 £8,736.59 £0.00 . This year’s annual Premium (exc IPT) £4,622.30 £8,736.59 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,622.30 £4,622.30 . Legal protection £8,736.59 £8,736.59 . 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: Miss Amelia Shah 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 December, 2019 £7,826.71 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: DBCUYBIHYZONE 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 Wilson 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:DBCUYBIHYZONE Name of policy holder:Wilson Group Period of insurance: From 16/04/19 to Wednesday 21 February, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-01-23 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: 16/04/19 Insurance details Policy number: DBCUYBIHYZONE Period of insurance: From 16/04/19 to Wednesday 21 February, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Wilson Group Address: Studio 9 Carter prairie North Charles FARNHAM PH19 8HQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,632.79 Insurance Premium Tax (IPT): £9,448.97 Total charged premium: £7,826.71 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: £5,632.79 Insurance Premium Tax (IPT): £9,448.97 Annual total: £7,826.71 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 £4,622.30 Legal protection £100,000 £0 £8,736.59 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: 16/04/19 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 2023-01-23 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
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DBCUYBIHYZONE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/04/19
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - VK5_-WC212MPPC60ND6HN1M19 Company name: Hanson, Johnson and Allen It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VK5_-WC212MPPC60ND6HN1M19. Company name: Hanson, Johnson and Allen. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,042.16. £ 9,042.16. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Julia Barry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 13 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. £9,099.89. £9,099.89. Legal protection. £3,638.40. £3,638.40. 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 Hanson, Johnson and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 13 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 : VK5_-WC212MPPC60ND6HN1M19 Company name: Hanson, Johnson and Allen . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VK5_-WC212MPPC60ND6HN1M19 Company name: Hanson, Johnson and Allen . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,042.16 £ 9,042.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,042.16 £ 9,042.16 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Julia Barry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 13 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 £9,099.89 £9,099.89 Legal protection £3,638.40 £3,638.40 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 Hanson, Johnson and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 13 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 Sunday 13 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 £9,099.89 £9,099.89 Legal protection £3,638.40 £3,638.40 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 Hanson, Johnson and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 13 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) £9,099.89 £3,638.40 £0.00 . This year’s annual Premium (exc IPT) £9,099.89 £3,638.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,099.89 £9,099.89 . Legal protection £3,638.40 £3,638.40 . 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: Dr Julia 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 Sat 16 August, 2025 £9,042.16 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: VK5_-WC212MPPC60ND6HN1M19 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 Hanson, Johnson and Allen Hiscox Underwriting 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:VK5_-WC212MPPC60ND6HN1M19 Name of policy holder:Hanson, Johnson and Allen Period of insurance: From Sunday 13 September, 2020 to 13/10/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08/03/2024 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: Sunday 13 September, 2020 Insurance details Policy number: VK5_-WC212MPPC60ND6HN1M19 Period of insurance: From Sunday 13 September, 2020 to 13/10/22 both days inclusive. This policy isa Continuing cover policy. Insured: Hanson, Johnson and Allen Address: 79 Claire forks Bryanstad FARNHAM BL2Y 4GQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,770.70 Insurance Premium Tax (IPT): £9,225.59 Total charged premium: £9,042.16 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: £1,770.70 Insurance Premium Tax (IPT): £9,225.59 Annual total: £9,042.16 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 £9,099.89 Legal protection £100,000 £0 £3,638.40 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: Sunday 13 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 08/03/2024 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
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VK5_-WC212MPPC60ND6HN1M19
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sunday 13 September, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - orszpa./qor/wgmfm/vcbdd Company name: Ball Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : orszpa./qor/wgmfm/vcbdd. Company name: Ball Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,750.69. £ 6,750.69. The premium includes all applicable insurance premium tax (IPT). Dear Miss Miss Hayley Pickering. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 21 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. £3,853.20. £3,853.20. Legal protection. £1,409.84. £1,409.84. 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 Ball 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 Thu 21 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 : orszpa./qor/wgmfm/vcbdd Company name: Ball Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : orszpa./qor/wgmfm/vcbdd Company name: Ball Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,750.69 £ 6,750.69 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,750.69 £ 6,750.69 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Miss Hayley Pickering . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 21 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 £3,853.20 £3,853.20 Legal protection £1,409.84 £1,409.84 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 Ball 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 Thu 21 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 Thu 21 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 £3,853.20 £3,853.20 Legal protection £1,409.84 £1,409.84 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 Ball 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 Thu 21 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) £3,853.20 £1,409.84 £0.00 . This year’s annual Premium (exc IPT) £3,853.20 £1,409.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,853.20 £3,853.20 . Legal protection £1,409.84 £1,409.84 . 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: Miss Hayley Pickering 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 27 July, 2022 £6,750.69 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: orszpa./qor/wgmfm/vcbdd 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 Ball 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:orszpa./qor/wgmfm/vcbdd Name of policy holder:Ball Group Period of insurance: From Thu 21 January, 2021 to 2023-03-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 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: Thu 21 January, 2021 Insurance details Policy number: orszpa./qor/wgmfm/vcbdd Period of insurance: From Thu 21 January, 2021 to 2023-03-16 both days inclusive. This policy isa Continuing cover policy. Insured: Ball Group Address: Flat 4 Jones square Stephensonville FARNHAM GY0 0QE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,053.48 Insurance Premium Tax (IPT): £38.73 Total charged premium: £6,750.69 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: £5,053.48 Insurance Premium Tax (IPT): £38.73 Annual total: £6,750.69 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 £3,853.20 Legal protection £100,000 £0 £1,409.84 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: Thu 21 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 Sat 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
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orszpa./qor/wgmfm/vcbdd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 21 January, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - AXVHIDMROIK.NNJXR/RD Company name: Patel, Moore and Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AXVHIDMROIK.NNJXR/RD. Company name: Patel, Moore and Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,345.63. £ 4,345.63. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sylvia Freeman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,826.67. £4,826.67. Legal protection. £5,081.87. £5,081.87. 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 Patel, Moore 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 2023-10-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : AXVHIDMROIK.NNJXR/RD Company name: Patel, Moore and Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AXVHIDMROIK.NNJXR/RD Company name: Patel, Moore 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). £ 4,345.63 £ 4,345.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,345.63 £ 4,345.63 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sylvia Freeman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,826.67 £4,826.67 Legal protection £5,081.87 £5,081.87 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 Patel, Moore 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 2023-10-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2023-10-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,826.67 £4,826.67 Legal protection £5,081.87 £5,081.87 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 Patel, Moore 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 2023-10-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £4,826.67 £5,081.87 £0.00 . This year’s annual Premium (exc IPT) £4,826.67 £5,081.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,826.67 £4,826.67 . Legal protection £5,081.87 £5,081.87 . 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: Sylvia Freeman 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 2020-12-23 £4,345.63 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: AXVHIDMROIK.NNJXR/RD 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, Moore 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:AXVHIDMROIK.NNJXR/RD Name of policy holder:Patel, Moore and Jones Period of insurance: From 2023-10-11 to 06 April, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-12-28 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: 2023-10-11 Insurance details Policy number: AXVHIDMROIK.NNJXR/RD Period of insurance: From 2023-10-11 to 06 April, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Patel, Moore and Jones Address: 3 Albert way Lake Lindseyborough FARNHAM SL1E 6YA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,081.73 Insurance Premium Tax (IPT): £7,052.33 Total charged premium: £4,345.63 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: £6,081.73 Insurance Premium Tax (IPT): £7,052.33 Annual total: £4,345.63 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 £4,826.67 Legal protection £100,000 £0 £5,081.87 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: 2023-10-11 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 2020-12-28 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
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AXVHIDMROIK.NNJXR/RD
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-10-11
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - MCIWJSV Company name: Osborne, Simpson and Stewart It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MCIWJSV. Company name: Osborne, Simpson and Stewart. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,760.82. £ 8,760.82. The premium includes all applicable insurance premium tax (IPT). Dear Mr Marc Berry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03 November, 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. £4,173.06. £4,173.06. Legal protection. £6,023.66. £6,023.66. 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 Osborne, Simpson and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 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 : MCIWJSV Company name: Osborne, Simpson and Stewart . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MCIWJSV Company name: Osborne, Simpson and Stewart . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,760.82 £ 8,760.82 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,760.82 £ 8,760.82 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Marc Berry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03 November, 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 £4,173.06 £4,173.06 Legal protection £6,023.66 £6,023.66 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 Osborne, Simpson and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 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 03 November, 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 £4,173.06 £4,173.06 Legal protection £6,023.66 £6,023.66 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 Osborne, Simpson and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 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) £4,173.06 £6,023.66 £0.00 . This year’s annual Premium (exc IPT) £4,173.06 £6,023.66 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,173.06 £4,173.06 . Legal protection £6,023.66 £6,023.66 . 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: Marc 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 2022-05-14 £8,760.82 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: MCIWJSV 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 Osborne, Simpson and Stewart Hiscox Underwriting 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:MCIWJSV Name of policy holder:Osborne, Simpson and Stewart Period of insurance: From 03 November, 2019 to Sun 20 November, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 15/10/2020 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: 03 November, 2019 Insurance details Policy number: MCIWJSV Period of insurance: From 03 November, 2019 to Sun 20 November, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Osborne, Simpson and Stewart Address: 437 Pamela passage Lake Elliottview FARNHAM AL6P 4BJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,323.96 Insurance Premium Tax (IPT): £7,869.68 Total charged premium: £8,760.82 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: £3,323.96 Insurance Premium Tax (IPT): £7,869.68 Annual total: £8,760.82 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 £4,173.06 Legal protection £100,000 £0 £6,023.66 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: 03 November, 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 15/10/2020 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
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MCIWJSV
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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03 November, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - pxeklb.wc Company name: Harris LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pxeklb.wc. Company name: Harris LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,910.11. £ 5,910.11. The premium includes all applicable insurance premium tax (IPT). Dear Dr Abbie Carroll. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 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. £8,875.36. £8,875.36. Legal protection. £4,372.46. £4,372.46. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 26 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 : pxeklb.wc Company name: Harris LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pxeklb.wc 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). £ 5,910.11 £ 5,910.11 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,910.11 £ 5,910.11 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Abbie Carroll . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 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 £8,875.36 £8,875.36 Legal protection £4,372.46 £4,372.46 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 26 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 26 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 £8,875.36 £8,875.36 Legal protection £4,372.46 £4,372.46 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 26 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) £8,875.36 £4,372.46 £0.00 . This year’s annual Premium (exc IPT) £8,875.36 £4,372.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,875.36 £8,875.36 . Legal protection £4,372.46 £4,372.46 . 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: Abbie Carroll 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 20/03/2023 £5,910.11 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: pxeklb.wc 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:pxeklb.wc Name of policy holder:Harris LLC Period of insurance: From 26 June, 2021 to 08 September, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06/02/2021 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 June, 2021 Insurance details Policy number: pxeklb.wc Period of insurance: From 26 June, 2021 to 08 September, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Harris LLC Address: 2 Jodie road Lake Jeffreyhaven FARNHAM WA0 8AH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,866.91 Insurance Premium Tax (IPT): £5,369.34 Total charged premium: £5,910.11 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: £5,866.91 Insurance Premium Tax (IPT): £5,369.34 Annual total: £5,910.11 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 £8,875.36 Legal protection £100,000 £0 £4,372.46 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 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 06/02/2021 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
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pxeklb.wc
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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26 June, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - kbxtfrl/dwnznjxr Company name: Jones-Holmes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kbxtfrl/dwnznjxr. Company name: Jones-Holmes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,960.18. £ 8,960.18. The premium includes all applicable insurance premium tax (IPT). Dear Dr Valerie Robinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/2024 . 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. £6,294.97. £6,294.97. Legal protection. £4,372.31. £4,372.31. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Holmes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/2024 . 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 : kbxtfrl/dwnznjxr Company name: Jones-Holmes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kbxtfrl/dwnznjxr Company name: Jones-Holmes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,960.18 £ 8,960.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,960.18 £ 8,960.18 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Valerie Robinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/2024 . 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 £6,294.97 £6,294.97 Legal protection £4,372.31 £4,372.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Holmes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/2024 . 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 25/12/2024 . 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 £6,294.97 £6,294.97 Legal protection £4,372.31 £4,372.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Holmes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/2024 . 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) £6,294.97 £4,372.31 £0.00 . This year’s annual Premium (exc IPT) £6,294.97 £4,372.31 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,294.97 £6,294.97 . Legal protection £4,372.31 £4,372.31 . 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 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 31/10/2023 £8,960.18 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: kbxtfrl/dwnznjxr 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-Holmes Hiscox Underwriting 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:kbxtfrl/dwnznjxr Name of policy holder:Jones-Holmes Period of insurance: From 25/12/2024 to Sunday 16 May, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 14 October, 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: 25/12/2024 Insurance details Policy number: kbxtfrl/dwnznjxr Period of insurance: From 25/12/2024 to Sunday 16 May, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Jones-Holmes Address: 357 Kathleen crossing Lake Joel FARNHAM S6G 8TE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,383.42 Insurance Premium Tax (IPT): £2,663.93 Total charged premium: £8,960.18 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: £5,383.42 Insurance Premium Tax (IPT): £2,663.93 Annual total: £8,960.18 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 £6,294.97 Legal protection £100,000 £0 £4,372.31 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: 25/12/2024 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 Wednesday 14 October, 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
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kbxtfrl/dwnznjxr
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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25/12/2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - THKG-TX Company name: Jones-Dale It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : THKG-TX. Company name: Jones-Dale. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,376.29. £ 7,376.29. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Stephanie Burton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31 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. £8,515.71. £8,515.71. Legal protection. £9,765.05. £9,765.05. 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 Jones-Dale , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : THKG-TX Company name: Jones-Dale . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : THKG-TX Company name: Jones-Dale . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,376.29 £ 7,376.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,376.29 £ 7,376.29 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Stephanie Burton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31 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 £8,515.71 £8,515.71 Legal protection £9,765.05 £9,765.05 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 Jones-Dale , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 31 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 £8,515.71 £8,515.71 Legal protection £9,765.05 £9,765.05 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 Jones-Dale , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £8,515.71 £9,765.05 £0.00 . This year’s annual Premium (exc IPT) £8,515.71 £9,765.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,515.71 £8,515.71 . Legal protection £9,765.05 £9,765.05 . 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 Stephanie Burton 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 23/02/22 £7,376.29 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: THKG-TX 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-Dale Hiscox Underwriting 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:THKG-TX Name of policy holder:Jones-Dale Period of insurance: From 31 December, 2025 to 27/12/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22 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: 31 December, 2025 Insurance details Policy number: THKG-TX Period of insurance: From 31 December, 2025 to 27/12/25 both days inclusive. This policy isa Continuing cover policy. Insured: Jones-Dale Address: 139 Williams spur Denisberg FARNHAM CB1E 2NG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,514.24 Insurance Premium Tax (IPT): £5,511.98 Total charged premium: £7,376.29 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: £6,514.24 Insurance Premium Tax (IPT): £5,511.98 Annual total: £7,376.29 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 £8,515.71 Legal protection £100,000 £0 £9,765.05 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: 31 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 22 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
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THKG-TX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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31 December, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - tqnnpyu_g-wyrbmu Company name: Rogers, White and Bradley It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tqnnpyu_g-wyrbmu. Company name: Rogers, White and Bradley. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,962.30. £ 1,962.30. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Anne Long. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 January, 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. £2,458.09. £2,458.09. Legal protection. £6,400.26. £6,400.26. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, White and Bradley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 14 January, 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 : tqnnpyu_g-wyrbmu Company name: Rogers, White and Bradley . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tqnnpyu_g-wyrbmu Company name: Rogers, White and Bradley . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,962.30 £ 1,962.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,962.30 £ 1,962.30 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Anne Long . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 January, 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 £2,458.09 £2,458.09 Legal protection £6,400.26 £6,400.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, White and Bradley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 14 January, 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 14 January, 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 £2,458.09 £2,458.09 Legal protection £6,400.26 £6,400.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, White and Bradley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 14 January, 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) £2,458.09 £6,400.26 £0.00 . This year’s annual Premium (exc IPT) £2,458.09 £6,400.26 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,458.09 £2,458.09 . Legal protection £6,400.26 £6,400.26 . 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: Anne 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 06 October, 2019 £1,962.30 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: tqnnpyu_g-wyrbmu 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 Rogers, White and Bradley Hiscox Underwriting 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:tqnnpyu_g-wyrbmu Name of policy holder:Rogers, White and Bradley Period of insurance: From 14 January, 2024 to Sat 05 October, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12 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: 14 January, 2024 Insurance details Policy number: tqnnpyu_g-wyrbmu Period of insurance: From 14 January, 2024 to Sat 05 October, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Rogers, White and Bradley Address: Studio 68 Brookes mall Edwardston FARNHAM G25 0DZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,866.45 Insurance Premium Tax (IPT): £3,103.58 Total charged premium: £1,962.30 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: £2,866.45 Insurance Premium Tax (IPT): £3,103.58 Annual total: £1,962.30 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 £2,458.09 Legal protection £100,000 £0 £6,400.26 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: 14 January, 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 12 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
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tqnnpyu_g-wyrbmu
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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14 January, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - NJCU-NAK Company name: Clayton and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NJCU-NAK. Company name: Clayton and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,178.47. £ 2,178.47. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leigh Young. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,535.29. £8,535.29. Legal protection. £6,239.48. £6,239.48. 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 Clayton 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 2023-11-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : NJCU-NAK Company name: Clayton and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NJCU-NAK Company name: Clayton 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). £ 2,178.47 £ 2,178.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,178.47 £ 2,178.47 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leigh Young . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,535.29 £8,535.29 Legal protection £6,239.48 £6,239.48 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 Clayton 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 2023-11-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2023-11-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,535.29 £8,535.29 Legal protection £6,239.48 £6,239.48 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 Clayton 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 2023-11-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £8,535.29 £6,239.48 £0.00 . This year’s annual Premium (exc IPT) £8,535.29 £6,239.48 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,535.29 £8,535.29 . Legal protection £6,239.48 £6,239.48 . 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: Leigh Young 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 2019-09-01 £2,178.47 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: NJCU-NAK 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 Clayton 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:NJCU-NAK Name of policy holder:Clayton and Sons Period of insurance: From 2023-11-27 to Fri 26 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/02/2024 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: 2023-11-27 Insurance details Policy number: NJCU-NAK Period of insurance: From 2023-11-27 to Fri 26 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Clayton and Sons Address: Studio 57v Gibson falls Lake Gavin FARNHAM L19 7XL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,541.79 Insurance Premium Tax (IPT): £1,306.70 Total charged premium: £2,178.47 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: £4,541.79 Insurance Premium Tax (IPT): £1,306.70 Annual total: £2,178.47 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 £8,535.29 Legal protection £100,000 £0 £6,239.48 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: 2023-11-27 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 24/02/2024 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
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NJCU-NAK
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-11-27
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - xmrbohat-qvqsqaq.rgd. Company name: Smith-Cox It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xmrbohat-qvqsqaq.rgd.. Company name: Smith-Cox. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,286.04. £ 3,286.04. The premium includes all applicable insurance premium tax (IPT). Dear Mr Allan Edwards. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/01/20 . 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. £265.85. £265.85. Legal protection. £6,735.57. £6,735.57. 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 Smith-Cox , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/01/20 . 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 : xmrbohat-qvqsqaq.rgd. Company name: Smith-Cox . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xmrbohat-qvqsqaq.rgd. Company name: Smith-Cox . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,286.04 £ 3,286.04 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,286.04 £ 3,286.04 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Allan Edwards . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/01/20 . 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 £265.85 £265.85 Legal protection £6,735.57 £6,735.57 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 Smith-Cox , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/01/20 . 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 22/01/20 . 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 £265.85 £265.85 Legal protection £6,735.57 £6,735.57 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 Smith-Cox , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/01/20 . 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) £265.85 £6,735.57 £0.00 . This year’s annual Premium (exc IPT) £265.85 £6,735.57 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £265.85 £265.85 . Legal protection £6,735.57 £6,735.57 . 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: Allan Edwards 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 15/03/2023 £3,286.04 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: xmrbohat-qvqsqaq.rgd. 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 Smith-Cox Hiscox Underwriting 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:xmrbohat-qvqsqaq.rgd. Name of policy holder:Smith-Cox Period of insurance: From 22/01/20 to 02/01/26 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 28 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: 22/01/20 Insurance details Policy number: xmrbohat-qvqsqaq.rgd. Period of insurance: From 22/01/20 to 02/01/26 both days inclusive. This policy isa Continuing cover policy. Insured: Smith-Cox Address: Studio 15 Terry harbors Mayshire FARNHAM G1G 1PG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,022.37 Insurance Premium Tax (IPT): £2,110.64 Total charged premium: £3,286.04 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: £8,022.37 Insurance Premium Tax (IPT): £2,110.64 Annual total: £3,286.04 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 £265.85 Legal protection £100,000 £0 £6,735.57 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: 22/01/20 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 Mon 28 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
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22/01/20
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Business
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2024-02-05
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Hiscox Business Insurance - Policy number - 0XKIA3PSX Company name: Parker Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0XKIA3PSX. Company name: Parker Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,114.74. £ 5,114.74. The premium includes all applicable insurance premium tax (IPT). Dear Miss Angela Richardson-Curtis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-04-19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,754.40. £2,754.40. Legal protection. £6,860.69. £6,860.69. 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 Parker 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 2025-04-19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : 0XKIA3PSX Company name: Parker Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0XKIA3PSX Company name: Parker Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,114.74 £ 5,114.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,114.74 £ 5,114.74 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Angela Richardson-Curtis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-04-19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,754.40 £2,754.40 Legal protection £6,860.69 £6,860.69 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 Parker 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 2025-04-19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2025-04-19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,754.40 £2,754.40 Legal protection £6,860.69 £6,860.69 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 Parker 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 2025-04-19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £2,754.40 £6,860.69 £0.00 . This year’s annual Premium (exc IPT) £2,754.40 £6,860.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,754.40 £2,754.40 . Legal protection £6,860.69 £6,860.69 . 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: Angela Richardson-Curtis 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 20 June, 2020 £5,114.74 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: 0XKIA3PSX 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 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:0XKIA3PSX Name of policy holder:Parker Inc Period of insurance: From 2025-04-19 to Thursday 10 February, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-03-17 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: 2025-04-19 Insurance details Policy number: 0XKIA3PSX Period of insurance: From 2025-04-19 to Thursday 10 February, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Parker Inc Address: Flat 28F Justin springs Stevensonmouth FARNHAM SM3 2YS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,208.26 Insurance Premium Tax (IPT): £8,484.40 Total charged premium: £5,114.74 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: £5,208.26 Insurance Premium Tax (IPT): £8,484.40 Annual total: £5,114.74 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 £2,754.40 Legal protection £100,000 £0 £6,860.69 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: 2025-04-19 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 2020-03-17 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
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0XKIA3PSX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2025-04-19
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 070MZ6R Company name: Little and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 070MZ6R. Company name: Little and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,479.99. £ 4,479.99. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Julie Clark. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/10/25 . 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. £3,369.50. £3,369.50. Legal protection. £4,395.21. £4,395.21. 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 Little 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 18/10/25 . 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 : 070MZ6R Company name: Little and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 070MZ6R Company name: Little 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). £ 4,479.99 £ 4,479.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,479.99 £ 4,479.99 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Julie Clark . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/10/25 . 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 £3,369.50 £3,369.50 Legal protection £4,395.21 £4,395.21 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 Little 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 18/10/25 . 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 18/10/25 . 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 £3,369.50 £3,369.50 Legal protection £4,395.21 £4,395.21 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 Little 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 18/10/25 . 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) £3,369.50 £4,395.21 £0.00 . This year’s annual Premium (exc IPT) £3,369.50 £4,395.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,369.50 £3,369.50 . Legal protection £4,395.21 £4,395.21 . 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: Julie 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 Sat 17 December, 2022 £4,479.99 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: 070MZ6R 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 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:070MZ6R Name of policy holder:Little and Sons Period of insurance: From 18/10/25 to 07/06/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 13 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: 18/10/25 Insurance details Policy number: 070MZ6R Period of insurance: From 18/10/25 to 07/06/21 both days inclusive. This policy isa Continuing cover policy. Insured: Little and Sons Address: 57 Nicholson inlet Jadebury FARNHAM BD3 2SA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,982.29 Insurance Premium Tax (IPT): £2,776.01 Total charged premium: £4,479.99 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: £8,982.29 Insurance Premium Tax (IPT): £2,776.01 Annual total: £4,479.99 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 £3,369.50 Legal protection £100,000 £0 £4,395.21 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: 18/10/25 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 Sunday 13 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
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070MZ6R
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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18/10/25
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - nbhllmopgzldzo Company name: Saunders Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : nbhllmopgzldzo. Company name: Saunders Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 710.83. £ 710.83. The premium includes all applicable insurance premium tax (IPT). Dear Dr Rhys Tucker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/02/2022 . 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. £536.54. £536.54. Legal protection. £6,897.28. £6,897.28. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 03/02/2022 . 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 : nbhllmopgzldzo Company name: Saunders Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : nbhllmopgzldzo Company name: Saunders Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 710.83 £ 710.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 710.83 £ 710.83 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Rhys Tucker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/02/2022 . 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 £536.54 £536.54 Legal protection £6,897.28 £6,897.28 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 03/02/2022 . 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 03/02/2022 . 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 £536.54 £536.54 Legal protection £6,897.28 £6,897.28 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 03/02/2022 . 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) £536.54 £6,897.28 £0.00 . This year’s annual Premium (exc IPT) £536.54 £6,897.28 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £536.54 £536.54 . Legal protection £6,897.28 £6,897.28 . 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: Rhys Tucker 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 21 March, 2024 £710.83 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: nbhllmopgzldzo 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 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:nbhllmopgzldzo Name of policy holder:Saunders Inc Period of insurance: From 03/02/2022 to Saturday 30 April, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 29 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: 03/02/2022 Insurance details Policy number: nbhllmopgzldzo Period of insurance: From 03/02/2022 to Saturday 30 April, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Saunders Inc Address: Flat 33 Potter island West Terry FARNHAM E4 3ZB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,207.86 Insurance Premium Tax (IPT): £9,762.90 Total charged premium: £710.83 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: £5,207.86 Insurance Premium Tax (IPT): £9,762.90 Annual total: £710.83 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 £536.54 Legal protection £100,000 £0 £6,897.28 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: 03/02/2022 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 Wed 29 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
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nbhllmopgzldzo
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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03/02/2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - vfyvzictiv_pgkohr Company name: Roberts Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vfyvzictiv_pgkohr. Company name: Roberts Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,098.90. £ 7,098.90. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Jordan Nelson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/02/2023 . 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. £927.90. £927.90. Legal protection. £1,810.82. £1,810.82. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Roberts 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 26/02/2023 . 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 : vfyvzictiv_pgkohr Company name: Roberts Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vfyvzictiv_pgkohr Company name: Roberts Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,098.90 £ 7,098.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,098.90 £ 7,098.90 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Jordan Nelson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/02/2023 . 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 £927.90 £927.90 Legal protection £1,810.82 £1,810.82 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Roberts 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 26/02/2023 . 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 26/02/2023 . 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 £927.90 £927.90 Legal protection £1,810.82 £1,810.82 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Roberts 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 26/02/2023 . 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) £927.90 £1,810.82 £0.00 . This year’s annual Premium (exc IPT) £927.90 £1,810.82 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £927.90 £927.90 . Legal protection £1,810.82 £1,810.82 . 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: Jordan 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 14/06/2020 £7,098.90 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: vfyvzictiv_pgkohr 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 Roberts 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:vfyvzictiv_pgkohr Name of policy holder:Roberts Inc Period of insurance: From 26/02/2023 to 2020-07-03 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 17 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: 26/02/2023 Insurance details Policy number: vfyvzictiv_pgkohr Period of insurance: From 26/02/2023 to 2020-07-03 both days inclusive. This policy isa Continuing cover policy. Insured: Roberts Inc Address: Studio 08 Terence manor Fletcherborough FARNHAM E5 8FA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,113.66 Insurance Premium Tax (IPT): £8,312.31 Total charged premium: £7,098.90 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: £6,113.66 Insurance Premium Tax (IPT): £8,312.31 Annual total: £7,098.90 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 £927.90 Legal protection £100,000 £0 £1,810.82 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: 26/02/2023 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 Wednesday 17 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
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vfyvzictiv_pgkohr
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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26/02/2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - Z_F/3NK42SKPW5M/V/3R Company name: White, Akhtar and Clark It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z_F/3NK42SKPW5M/V/3R. Company name: White, Akhtar and Clark. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,960.80. £ 4,960.80. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Peter Harris. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-08 . 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. £4,987.41. £4,987.41. Legal protection. £8,934.22. £8,934.22. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White, Akhtar and Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-08 . 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_F/3NK42SKPW5M/V/3R Company name: White, Akhtar and Clark . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Z_F/3NK42SKPW5M/V/3R Company name: White, Akhtar and Clark . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,960.80 £ 4,960.80 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,960.80 £ 4,960.80 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Peter Harris . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-08 . 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 £4,987.41 £4,987.41 Legal protection £8,934.22 £8,934.22 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White, Akhtar and Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-08 . 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 2021-08-08 . 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 £4,987.41 £4,987.41 Legal protection £8,934.22 £8,934.22 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White, Akhtar and Clark , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-08-08 . 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) £4,987.41 £8,934.22 £0.00 . This year’s annual Premium (exc IPT) £4,987.41 £8,934.22 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,987.41 £4,987.41 . Legal protection £8,934.22 £8,934.22 . 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 Peter Harris 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 26/11/22 £4,960.80 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: Z_F/3NK42SKPW5M/V/3R 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 White, Akhtar and Clark Hiscox Underwriting 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_F/3NK42SKPW5M/V/3R Name of policy holder:White, Akhtar and Clark Period of insurance: From 2021-08-08 to 2025-11-08 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 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: 2021-08-08 Insurance details Policy number: Z_F/3NK42SKPW5M/V/3R Period of insurance: From 2021-08-08 to 2025-11-08 both days inclusive. This policy isa Continuing cover policy. Insured: White, Akhtar and Clark Address: 3 Hawkins shoal Griffithstown FARNHAM NP53 9UN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,001.48 Insurance Premium Tax (IPT): £6,272.20 Total charged premium: £4,960.80 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: £4,001.48 Insurance Premium Tax (IPT): £6,272.20 Annual total: £4,960.80 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 £4,987.41 Legal protection £100,000 £0 £8,934.22 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: 2021-08-08 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 Thursday 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
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Z_F/3NK42SKPW5M/V/3R
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2021-08-08
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 4EC_XE1A-/62D/6K4C/M_JECJ Company name: Chadwick, Thompson and Woodward It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4EC_XE1A-/62D/6K4C/M_JECJ. Company name: Chadwick, Thompson and Woodward. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,711.11. £ 4,711.11. The premium includes all applicable insurance premium tax (IPT). Dear Ms Harry Brooks. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-04-12 . 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. £3,768.62. £3,768.62. Legal protection. £4,744.10. £4,744.10. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Thompson and Woodward , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-04-12 . 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 : 4EC_XE1A-/62D/6K4C/M_JECJ Company name: Chadwick, Thompson and Woodward . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4EC_XE1A-/62D/6K4C/M_JECJ Company name: Chadwick, Thompson and Woodward . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,711.11 £ 4,711.11 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,711.11 £ 4,711.11 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Harry Brooks . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-04-12 . 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 £3,768.62 £3,768.62 Legal protection £4,744.10 £4,744.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Thompson and Woodward , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-04-12 . 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 2019-04-12 . 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 £3,768.62 £3,768.62 Legal protection £4,744.10 £4,744.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Thompson and Woodward , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-04-12 . 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) £3,768.62 £4,744.10 £0.00 . This year’s annual Premium (exc IPT) £3,768.62 £4,744.10 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,768.62 £3,768.62 . Legal protection £4,744.10 £4,744.10 . 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 Brooks 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 2021-11-30 £4,711.11 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: 4EC_XE1A-/62D/6K4C/M_JECJ 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, Thompson and Woodward Hiscox Underwriting 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:4EC_XE1A-/62D/6K4C/M_JECJ Name of policy holder:Chadwick, Thompson and Woodward Period of insurance: From 2019-04-12 to 22 May, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/09/22 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: 2019-04-12 Insurance details Policy number: 4EC_XE1A-/62D/6K4C/M_JECJ Period of insurance: From 2019-04-12 to 22 May, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Chadwick, Thompson and Woodward Address: Flat 82C Hill knoll Fosterview FARNHAM KT75 5WR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,339.76 Insurance Premium Tax (IPT): £1,834.52 Total charged premium: £4,711.11 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: £6,339.76 Insurance Premium Tax (IPT): £1,834.52 Annual total: £4,711.11 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 £3,768.62 Legal protection £100,000 £0 £4,744.10 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: 2019-04-12 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 18/09/22 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
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4EC_XE1A-/62D/6K4C/M_JECJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2019-04-12
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - VZ.XPHOTAUEFW.ZR Company name: Griffin, James and Taylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VZ.XPHOTAUEFW.ZR. Company name: Griffin, James and Taylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,238.25. £ 3,238.25. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Ms Aimee Reed. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 08 November, 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. £9,106.03. £9,106.03. Legal protection. £7,279.12. £7,279.12. 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 Griffin, James and 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 Friday 08 November, 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 : VZ.XPHOTAUEFW.ZR Company name: Griffin, James and Taylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VZ.XPHOTAUEFW.ZR Company name: Griffin, James and Taylor . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,238.25 £ 3,238.25 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,238.25 £ 3,238.25 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Ms Aimee Reed . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 08 November, 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 £9,106.03 £9,106.03 Legal protection £7,279.12 £7,279.12 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 Griffin, James and 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 Friday 08 November, 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 08 November, 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 £9,106.03 £9,106.03 Legal protection £7,279.12 £7,279.12 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 Griffin, James and 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 Friday 08 November, 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) £9,106.03 £7,279.12 £0.00 . This year’s annual Premium (exc IPT) £9,106.03 £7,279.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,106.03 £9,106.03 . Legal protection £7,279.12 £7,279.12 . 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: Ms Aimee Reed 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 13/04/2020 £3,238.25 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: VZ.XPHOTAUEFW.ZR 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 Griffin, James and 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:VZ.XPHOTAUEFW.ZR Name of policy holder:Griffin, James and Taylor Period of insurance: From Friday 08 November, 2024 to Sunday 23 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-07-16 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 08 November, 2024 Insurance details Policy number: VZ.XPHOTAUEFW.ZR Period of insurance: From Friday 08 November, 2024 to Sunday 23 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Griffin, James and Taylor Address: 6 Butler fields Lake Charlie FARNHAM TN58 8GW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,108.58 Insurance Premium Tax (IPT): £272.52 Total charged premium: £3,238.25 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: £6,108.58 Insurance Premium Tax (IPT): £272.52 Annual total: £3,238.25 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 £9,106.03 Legal protection £100,000 £0 £7,279.12 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: Friday 08 November, 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 2024-07-16 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
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VZ.XPHOTAUEFW.ZR
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Friday 08 November, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - GLGTSBXJFXWEC Company name: Bradley-Walker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GLGTSBXJFXWEC. Company name: Bradley-Walker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 932.22. £ 932.22. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Teresa Thomas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 25 May, 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. £1,439.73. £1,439.73. Legal protection. £6,875.15. £6,875.15. 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 Bradley-Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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 : GLGTSBXJFXWEC Company name: Bradley-Walker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GLGTSBXJFXWEC Company name: Bradley-Walker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 932.22 £ 932.22 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 932.22 £ 932.22 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Teresa Thomas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 25 May, 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 £1,439.73 £1,439.73 Legal protection £6,875.15 £6,875.15 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 Bradley-Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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 25 May, 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 £1,439.73 £1,439.73 Legal protection £6,875.15 £6,875.15 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 Bradley-Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 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) £1,439.73 £6,875.15 £0.00 . This year’s annual Premium (exc IPT) £1,439.73 £6,875.15 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,439.73 £1,439.73 . Legal protection £6,875.15 £6,875.15 . 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: Teresa 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 Mon 20 March, 2023 £932.22 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: GLGTSBXJFXWEC 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-Walker Hiscox Underwriting 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:GLGTSBXJFXWEC Name of policy holder:Bradley-Walker Period of insurance: From Sat 25 May, 2024 to Monday 18 July, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 21 November, 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 May, 2024 Insurance details Policy number: GLGTSBXJFXWEC Period of insurance: From Sat 25 May, 2024 to Monday 18 July, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Bradley-Walker Address: 5 Hart brooks Rebeccafort FARNHAM G9W 8FD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,451.32 Insurance Premium Tax (IPT): £5,311.68 Total charged premium: £932.22 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: £5,451.32 Insurance Premium Tax (IPT): £5,311.68 Annual total: £932.22 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 £1,439.73 Legal protection £100,000 £0 £6,875.15 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: Sat 25 May, 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 Saturday 21 November, 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
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Sat 25 May, 2024
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2024-02-05
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Hiscox Business Insurance - Policy number - 9RRAVASG1146HGZM7P/7GRS Company name: Griffin-Morgan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RRAVASG1146HGZM7P/7GRS. Company name: Griffin-Morgan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,656.34. £ 9,656.34. The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Beverley O'Donnell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 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. £1,877.93. £1,877.93. Legal protection. £6,184.34. £6,184.34. 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 Griffin-Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01 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 : 9RRAVASG1146HGZM7P/7GRS Company name: Griffin-Morgan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RRAVASG1146HGZM7P/7GRS Company name: Griffin-Morgan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,656.34 £ 9,656.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,656.34 £ 9,656.34 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Beverley O'Donnell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 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 £1,877.93 £1,877.93 Legal protection £6,184.34 £6,184.34 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 Griffin-Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01 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 01 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 £1,877.93 £1,877.93 Legal protection £6,184.34 £6,184.34 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 Griffin-Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01 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) £1,877.93 £6,184.34 £0.00 . This year’s annual Premium (exc IPT) £1,877.93 £6,184.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,877.93 £1,877.93 . Legal protection £6,184.34 £6,184.34 . 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: Ms Beverley O'Donnell 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 15 February, 2021 £9,656.34 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: 9RRAVASG1146HGZM7P/7GRS 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 Griffin-Morgan Hiscox Underwriting 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:9RRAVASG1146HGZM7P/7GRS Name of policy holder:Griffin-Morgan Period of insurance: From 01 December, 2025 to 12/01/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/04/19 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: 01 December, 2025 Insurance details Policy number: 9RRAVASG1146HGZM7P/7GRS Period of insurance: From 01 December, 2025 to 12/01/22 both days inclusive. This policy isa Continuing cover policy. Insured: Griffin-Morgan Address: 460 Green trail Collinschester FARNHAM L6 8TJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,631.57 Insurance Premium Tax (IPT): £5,695.04 Total charged premium: £9,656.34 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: £1,631.57 Insurance Premium Tax (IPT): £5,695.04 Annual total: £9,656.34 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 £1,877.93 Legal protection £100,000 £0 £6,184.34 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: 01 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 24/04/19 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
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9RRAVASG1146HGZM7P/7GRS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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01 December, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UGQ/ER6F/9CN Company name: Ferguson, Khan and Naylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UGQ/ER6F/9CN. Company name: Ferguson, Khan and Naylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 31.68. £ 31.68. The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Charlotte Sutton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 27 February, 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. £5,163.58. £5,163.58. Legal protection. £2,705.73. £2,705.73. 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 Ferguson, Khan and Naylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 February, 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 : UGQ/ER6F/9CN Company name: Ferguson, Khan and Naylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UGQ/ER6F/9CN Company name: Ferguson, Khan and Naylor . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 31.68 £ 31.68 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 31.68 £ 31.68 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Charlotte Sutton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 27 February, 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 £5,163.58 £5,163.58 Legal protection £2,705.73 £2,705.73 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 Ferguson, Khan and Naylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 February, 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 Wednesday 27 February, 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 £5,163.58 £5,163.58 Legal protection £2,705.73 £2,705.73 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 Ferguson, Khan and Naylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 February, 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) £5,163.58 £2,705.73 £0.00 . This year’s annual Premium (exc IPT) £5,163.58 £2,705.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,163.58 £5,163.58 . Legal protection £2,705.73 £2,705.73 . 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: Miss Charlotte Sutton 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 09 December, 2022 £31.68 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: UGQ/ER6F/9CN 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 Ferguson, Khan and Naylor Hiscox Underwriting 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:UGQ/ER6F/9CN Name of policy holder:Ferguson, Khan and Naylor Period of insurance: From Wednesday 27 February, 2019 to 2022-02-22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 31 October, 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: Wednesday 27 February, 2019 Insurance details Policy number: UGQ/ER6F/9CN Period of insurance: From Wednesday 27 February, 2019 to 2022-02-22 both days inclusive. This policy isa Continuing cover policy. Insured: Ferguson, Khan and Naylor Address: Flat 98R Luke road Wardmouth FARNHAM M9D 8QD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,776.95 Insurance Premium Tax (IPT): £6,420.90 Total charged premium: £31.68 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: £4,776.95 Insurance Premium Tax (IPT): £6,420.90 Annual total: £31.68 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 £5,163.58 Legal protection £100,000 £0 £2,705.73 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: Wednesday 27 February, 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 Sat 31 October, 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
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UGQ/ER6F/9CN
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 27 February, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - fcd_v/e Company name: King, Curtis and Evans It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : fcd_v/e. Company name: King, Curtis and Evans. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 261.23. £ 261.23. The premium includes all applicable insurance premium tax (IPT). Dear Dr Natasha Price. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 13 October, 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. £9,168.70. £9,168.70. Legal protection. £2,945.65. £2,945.65. 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 King, Curtis and 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 Monday 13 October, 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 : fcd_v/e Company name: King, Curtis and Evans . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : fcd_v/e Company name: King, Curtis and Evans . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 261.23 £ 261.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 261.23 £ 261.23 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Natasha Price . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 13 October, 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 £9,168.70 £9,168.70 Legal protection £2,945.65 £2,945.65 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 King, Curtis and 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 Monday 13 October, 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 13 October, 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 £9,168.70 £9,168.70 Legal protection £2,945.65 £2,945.65 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 King, Curtis and 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 Monday 13 October, 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) £9,168.70 £2,945.65 £0.00 . This year’s annual Premium (exc IPT) £9,168.70 £2,945.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,168.70 £9,168.70 . Legal protection £2,945.65 £2,945.65 . 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: Natasha 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 Sunday 24 May, 2020 £261.23 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: fcd_v/e 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, Curtis and 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:fcd_v/e Name of policy holder:King, Curtis and Evans Period of insurance: From Monday 13 October, 2025 to Tue 02 July, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19 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: Monday 13 October, 2025 Insurance details Policy number: fcd_v/e Period of insurance: From Monday 13 October, 2025 to Tue 02 July, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: King, Curtis and Evans Address: Studio 9 Smith street Samanthaberg FARNHAM WN4 3SG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,276.91 Insurance Premium Tax (IPT): £5,783.86 Total charged premium: £261.23 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: £2,276.91 Insurance Premium Tax (IPT): £5,783.86 Annual total: £261.23 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 £9,168.70 Legal protection £100,000 £0 £2,945.65 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: Monday 13 October, 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 19 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
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fcd_v/e
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Monday 13 October, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - szatz-zmlc_ifs Company name: Kaur and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : szatz-zmlc_ifs. Company name: Kaur and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 941.57. £ 941.57. The premium includes all applicable insurance premium tax (IPT). Dear Miss Andrew Robinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/08/2021 . 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. £929.96. £929.96. Legal protection. £4,941.14. £4,941.14. 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 Kaur 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 20/08/2021 . 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 : szatz-zmlc_ifs Company name: Kaur and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : szatz-zmlc_ifs Company name: Kaur 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). £ 941.57 £ 941.57 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 941.57 £ 941.57 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Andrew Robinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/08/2021 . 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 £929.96 £929.96 Legal protection £4,941.14 £4,941.14 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 Kaur 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 20/08/2021 . 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 20/08/2021 . 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 £929.96 £929.96 Legal protection £4,941.14 £4,941.14 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 Kaur 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 20/08/2021 . 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) £929.96 £4,941.14 £0.00 . This year’s annual Premium (exc IPT) £929.96 £4,941.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £929.96 £929.96 . Legal protection £4,941.14 £4,941.14 . 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: Andrew 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 12 June, 2025 £941.57 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: szatz-zmlc_ifs 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 Kaur 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:szatz-zmlc_ifs Name of policy holder:Kaur and Sons Period of insurance: From 20/08/2021 to 22/08/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25 July, 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: 20/08/2021 Insurance details Policy number: szatz-zmlc_ifs Period of insurance: From 20/08/2021 to 22/08/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Kaur and Sons Address: 8 Powell mills Wrightville FARNHAM ML51 1TS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,439.63 Insurance Premium Tax (IPT): £2,101.69 Total charged premium: £941.57 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: £4,439.63 Insurance Premium Tax (IPT): £2,101.69 Annual total: £941.57 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 £929.96 Legal protection £100,000 £0 £4,941.14 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: 20/08/2021 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 25 July, 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
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szatz-zmlc_ifs
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20/08/2021
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 6TJWFTXQN3H5ZA.TQFMA6KCI Company name: McCarthy, Nicholson and Johnson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6TJWFTXQN3H5ZA.TQFMA6KCI. Company name: McCarthy, Nicholson and Johnson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,656.19. £ 6,656.19. The premium includes all applicable insurance premium tax (IPT). Dear Dr Chelsea Hussain. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 04 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. £2,885.63. £2,885.63. Legal protection. £7,975.40. £7,975.40. 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 McCarthy, Nicholson and Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 04 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 : 6TJWFTXQN3H5ZA.TQFMA6KCI Company name: McCarthy, Nicholson and Johnson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6TJWFTXQN3H5ZA.TQFMA6KCI Company name: McCarthy, Nicholson and Johnson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,656.19 £ 6,656.19 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,656.19 £ 6,656.19 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Chelsea Hussain . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 04 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 £2,885.63 £2,885.63 Legal protection £7,975.40 £7,975.40 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 McCarthy, Nicholson and Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 04 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 Thu 04 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 £2,885.63 £2,885.63 Legal protection £7,975.40 £7,975.40 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 McCarthy, Nicholson and Johnson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 04 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) £2,885.63 £7,975.40 £0.00 . This year’s annual Premium (exc IPT) £2,885.63 £7,975.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,885.63 £2,885.63 . Legal protection £7,975.40 £7,975.40 . 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: Chelsea 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 27/10/2023 £6,656.19 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: 6TJWFTXQN3H5ZA.TQFMA6KCI 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 McCarthy, Nicholson and Johnson Hiscox Underwriting 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:6TJWFTXQN3H5ZA.TQFMA6KCI Name of policy holder:McCarthy, Nicholson and Johnson Period of insurance: From Thu 04 November, 2021 to 02 February, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-06-27 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: Thu 04 November, 2021 Insurance details Policy number: 6TJWFTXQN3H5ZA.TQFMA6KCI Period of insurance: From Thu 04 November, 2021 to 02 February, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: McCarthy, Nicholson and Johnson Address: 76 Oliver track Jayville FARNHAM S0 5PA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £289.97 Insurance Premium Tax (IPT): £7,997.27 Total charged premium: £6,656.19 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: £289.97 Insurance Premium Tax (IPT): £7,997.27 Annual total: £6,656.19 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 £2,885.63 Legal protection £100,000 £0 £7,975.40 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: Thu 04 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 2019-06-27 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
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6TJWFTXQN3H5ZA.TQFMA6KCI
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Thu 04 November, 2021
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - H.M/ILHSSMDJY-0_G9 Company name: Morris, Jones and Harper It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H.M/ILHSSMDJY-0_G9. Company name: Morris, Jones and Harper. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,505.99. £ 1,505.99. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Rebecca Day. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 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. £6,782.53. £6,782.53. Legal protection. £3,687.74. £3,687.74. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Jones and Harper , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 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 : H.M/ILHSSMDJY-0_G9 Company name: Morris, Jones and Harper . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H.M/ILHSSMDJY-0_G9 Company name: Morris, Jones and Harper . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,505.99 £ 1,505.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,505.99 £ 1,505.99 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Rebecca Day . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 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 £6,782.53 £6,782.53 Legal protection £3,687.74 £3,687.74 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Jones and Harper , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 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 22 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 £6,782.53 £6,782.53 Legal protection £3,687.74 £3,687.74 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Jones and Harper , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 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) £6,782.53 £3,687.74 £0.00 . This year’s annual Premium (exc IPT) £6,782.53 £3,687.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,782.53 £6,782.53 . Legal protection £3,687.74 £3,687.74 . 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: Rebecca Day 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 2021-10-20 £1,505.99 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: H.M/ILHSSMDJY-0_G9 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 Morris, Jones and Harper Hiscox Underwriting 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.M/ILHSSMDJY-0_G9 Name of policy holder:Morris, Jones and Harper Period of insurance: From 22 September, 2023 to 18/11/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29/08/2019 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: 22 September, 2023 Insurance details Policy number: H.M/ILHSSMDJY-0_G9 Period of insurance: From 22 September, 2023 to 18/11/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Morris, Jones and Harper Address: Flat 2 Shah station South Edward FARNHAM G0C 9SY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,628.44 Insurance Premium Tax (IPT): £2,946.04 Total charged premium: £1,505.99 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: £8,628.44 Insurance Premium Tax (IPT): £2,946.04 Annual total: £1,505.99 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 £6,782.53 Legal protection £100,000 £0 £3,687.74 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: 22 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 29/08/2019 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
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H.M/ILHSSMDJY-0_G9
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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22 September, 2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - vs-kcpkdwgjvjobtzwin/ Company name: Jones, Wright and Willis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vs-kcpkdwgjvjobtzwin/. Company name: Jones, Wright and Willis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,952.85. £ 9,952.85. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr James Pearce. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 June, 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. £1,276.48. £1,276.48. Legal protection. £2,615.63. £2,615.63. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Wright and Willis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 June, 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 : vs-kcpkdwgjvjobtzwin/ Company name: Jones, Wright and Willis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vs-kcpkdwgjvjobtzwin/ Company name: Jones, Wright and Willis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,952.85 £ 9,952.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,952.85 £ 9,952.85 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr James Pearce . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 June, 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 £1,276.48 £1,276.48 Legal protection £2,615.63 £2,615.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Wright and Willis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 June, 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 08 June, 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 £1,276.48 £1,276.48 Legal protection £2,615.63 £2,615.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Wright and Willis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 June, 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) £1,276.48 £2,615.63 £0.00 . This year’s annual Premium (exc IPT) £1,276.48 £2,615.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,276.48 £1,276.48 . Legal protection £2,615.63 £2,615.63 . 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 James Pearce 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 2022-05-30 £9,952.85 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: vs-kcpkdwgjvjobtzwin/ 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, Wright and Willis Hiscox Underwriting 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:vs-kcpkdwgjvjobtzwin/ Name of policy holder:Jones, Wright and Willis Period of insurance: From 08 June, 2019 to Tue 09 July, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 08 April, 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: 08 June, 2019 Insurance details Policy number: vs-kcpkdwgjvjobtzwin/ Period of insurance: From 08 June, 2019 to Tue 09 July, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Jones, Wright and Willis Address: Studio 94O Ryan union Walkerport FARNHAM W9J 8TE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,895.84 Insurance Premium Tax (IPT): £7,529.48 Total charged premium: £9,952.85 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: £4,895.84 Insurance Premium Tax (IPT): £7,529.48 Annual total: £9,952.85 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 £1,276.48 Legal protection £100,000 £0 £2,615.63 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 June, 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 08 April, 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
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vs-kcpkdwgjvjobtzwin/
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08 June, 2019
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - JVH--JGBHEKVYJ_/R Company name: Sinclair, Price and Wilson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JVH--JGBHEKVYJ_/R. Company name: Sinclair, Price and Wilson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,763.21. £ 4,763.21. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mitchell Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,941.55. £1,941.55. Legal protection. £9,077.04. £9,077.04. 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 Sinclair, Price and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : JVH--JGBHEKVYJ_/R Company name: Sinclair, Price and Wilson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JVH--JGBHEKVYJ_/R Company name: Sinclair, Price and Wilson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,763.21 £ 4,763.21 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,763.21 £ 4,763.21 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mitchell Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,941.55 £1,941.55 Legal protection £9,077.04 £9,077.04 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 Sinclair, Price and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2022-09-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,941.55 £1,941.55 Legal protection £9,077.04 £9,077.04 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 Sinclair, Price and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £1,941.55 £9,077.04 £0.00 . This year’s annual Premium (exc IPT) £1,941.55 £9,077.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,941.55 £1,941.55 . Legal protection £9,077.04 £9,077.04 . 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: Mitchell 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 19 April, 2025 £4,763.21 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: JVH--JGBHEKVYJ_/R 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 Sinclair, Price and Wilson Hiscox Underwriting 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:JVH--JGBHEKVYJ_/R Name of policy holder:Sinclair, Price and Wilson Period of insurance: From 2022-09-27 to 22/12/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-09-20 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: 2022-09-27 Insurance details Policy number: JVH--JGBHEKVYJ_/R Period of insurance: From 2022-09-27 to 22/12/19 both days inclusive. This policy isa Continuing cover policy. Insured: Sinclair, Price and Wilson Address: Flat 96b Patricia forge West Keith FARNHAM ME1 2NF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,410.76 Insurance Premium Tax (IPT): £6,808.04 Total charged premium: £4,763.21 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: £8,410.76 Insurance Premium Tax (IPT): £6,808.04 Annual total: £4,763.21 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 £1,941.55 Legal protection £100,000 £0 £9,077.04 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: 2022-09-27 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 2022-09-20 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
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2022-09-27
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - HVTXORERCTDO/ Company name: King Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HVTXORERCTDO/. Company name: King Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,047.83. £ 1,047.83. The premium includes all applicable insurance premium tax (IPT). Dear Ms Paula Campbell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-10-02 . 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. £8,402.33. £8,402.33. Legal protection. £8,693.60. £8,693.60. 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 King 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 2022-10-02 . 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 : HVTXORERCTDO/ Company name: King Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HVTXORERCTDO/ Company name: King Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,047.83 £ 1,047.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,047.83 £ 1,047.83 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Paula Campbell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-10-02 . 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 £8,402.33 £8,402.33 Legal protection £8,693.60 £8,693.60 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 King 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 2022-10-02 . 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 2022-10-02 . 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 £8,402.33 £8,402.33 Legal protection £8,693.60 £8,693.60 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 King 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 2022-10-02 . 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) £8,402.33 £8,693.60 £0.00 . This year’s annual Premium (exc IPT) £8,402.33 £8,693.60 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,402.33 £8,402.33 . Legal protection £8,693.60 £8,693.60 . 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: Paula Campbell 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 07 May, 2022 £1,047.83 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: HVTXORERCTDO/ 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 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:HVTXORERCTDO/ Name of policy holder:King Group Period of insurance: From 2022-10-02 to 02 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-02-10 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: 2022-10-02 Insurance details Policy number: HVTXORERCTDO/ Period of insurance: From 2022-10-02 to 02 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: King Group Address: Studio 55Y Graham turnpike Morrisfurt FARNHAM N2F 8JQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £276.18 Insurance Premium Tax (IPT): £8,307.72 Total charged premium: £1,047.83 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: £276.18 Insurance Premium Tax (IPT): £8,307.72 Annual total: £1,047.83 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 £8,402.33 Legal protection £100,000 £0 £8,693.60 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: 2022-10-02 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 2020-02-10 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
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HVTXORERCTDO/
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2022-10-02
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - F8M52XRP1/Q_LS6//FMLLBT Company name: Clarke, Townsend and Bond It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F8M52XRP1/Q_LS6//FMLLBT. Company name: Clarke, Townsend and Bond. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,985.76. £ 1,985.76. The premium includes all applicable insurance premium tax (IPT). Dear Mr Julie Wilson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31/12/21 . 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. £8,020.35. £8,020.35. Legal protection. £9,528.45. £9,528.45. 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 Clarke, Townsend and 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 31/12/21 . 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 : F8M52XRP1/Q_LS6//FMLLBT Company name: Clarke, Townsend and Bond . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F8M52XRP1/Q_LS6//FMLLBT Company name: Clarke, Townsend and Bond . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,985.76 £ 1,985.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,985.76 £ 1,985.76 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Julie Wilson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31/12/21 . 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 £8,020.35 £8,020.35 Legal protection £9,528.45 £9,528.45 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 Clarke, Townsend and 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 31/12/21 . 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 31/12/21 . 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 £8,020.35 £8,020.35 Legal protection £9,528.45 £9,528.45 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 Clarke, Townsend and 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 31/12/21 . 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) £8,020.35 £9,528.45 £0.00 . This year’s annual Premium (exc IPT) £8,020.35 £9,528.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,020.35 £8,020.35 . Legal protection £9,528.45 £9,528.45 . 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: Julie 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 Wednesday 18 August, 2021 £1,985.76 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: F8M52XRP1/Q_LS6//FMLLBT 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 Clarke, Townsend and 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:F8M52XRP1/Q_LS6//FMLLBT Name of policy holder:Clarke, Townsend and Bond Period of insurance: From 31/12/21 to Sun 06 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09 January, 2026 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: 31/12/21 Insurance details Policy number: F8M52XRP1/Q_LS6//FMLLBT Period of insurance: From 31/12/21 to Sun 06 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Clarke, Townsend and Bond Address: Flat 6 Damien hollow North Kate FARNHAM LA0W 9JA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,956.31 Insurance Premium Tax (IPT): £6,509.65 Total charged premium: £1,985.76 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: £8,956.31 Insurance Premium Tax (IPT): £6,509.65 Annual total: £1,985.76 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 £8,020.35 Legal protection £100,000 £0 £9,528.45 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: 31/12/21 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 09 January, 2026 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
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F8M52XRP1/Q_LS6//FMLLBT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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31/12/21
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - btzles. Company name: Wells-French It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : btzles.. Company name: Wells-French. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,333.78. £ 4,333.78. The premium includes all applicable insurance premium tax (IPT). Dear Ms Guy Woods. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 03 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. £676.12. £676.12. Legal protection. £5,512.76. £5,512.76. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wells-French , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 03 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 : btzles. Company name: Wells-French . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : btzles. Company name: Wells-French . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,333.78 £ 4,333.78 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,333.78 £ 4,333.78 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Guy Woods . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 03 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 £676.12 £676.12 Legal protection £5,512.76 £5,512.76 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wells-French , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 03 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 Tuesday 03 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 £676.12 £676.12 Legal protection £5,512.76 £5,512.76 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wells-French , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 03 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) £676.12 £5,512.76 £0.00 . This year’s annual Premium (exc IPT) £676.12 £5,512.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £676.12 £676.12 . Legal protection £5,512.76 £5,512.76 . 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: Guy Woods 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 December, 2021 £4,333.78 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: btzles. 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 Wells-French Hiscox Underwriting 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:btzles. Name of policy holder:Wells-French Period of insurance: From Tuesday 03 December, 2024 to 2023-08-19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24 September, 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: Tuesday 03 December, 2024 Insurance details Policy number: btzles. Period of insurance: From Tuesday 03 December, 2024 to 2023-08-19 both days inclusive. This policy isa Continuing cover policy. Insured: Wells-French Address: Flat 95 Jones estate Lake Jeremyborough FARNHAM N3 9WF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,722.04 Insurance Premium Tax (IPT): £2,556.59 Total charged premium: £4,333.78 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: £2,722.04 Insurance Premium Tax (IPT): £2,556.59 Annual total: £4,333.78 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 £676.12 Legal protection £100,000 £0 £5,512.76 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 03 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 24 September, 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
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btzles.
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 03 December, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3HAKXXQN7WLF/M5YELMTE Company name: Bennett, Jones and Rogers It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3HAKXXQN7WLF/M5YELMTE. Company name: Bennett, Jones and Rogers. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,672.63. £ 5,672.63. The premium includes all applicable insurance premium tax (IPT). Dear Mr Hayley Skinner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 23 March, 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. £4,941.35. £4,941.35. Legal protection. £9,289.79. £9,289.79. 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 Bennett, Jones and Rogers , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 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 : 3HAKXXQN7WLF/M5YELMTE Company name: Bennett, Jones and Rogers . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3HAKXXQN7WLF/M5YELMTE Company name: Bennett, Jones and Rogers . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,672.63 £ 5,672.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,672.63 £ 5,672.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Hayley Skinner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 23 March, 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 £4,941.35 £4,941.35 Legal protection £9,289.79 £9,289.79 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 Bennett, Jones and Rogers , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 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 Saturday 23 March, 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 £4,941.35 £4,941.35 Legal protection £9,289.79 £9,289.79 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 Bennett, Jones and Rogers , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 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) £4,941.35 £9,289.79 £0.00 . This year’s annual Premium (exc IPT) £4,941.35 £9,289.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,941.35 £4,941.35 . Legal protection £9,289.79 £9,289.79 . 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: Hayley Skinner 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 15/08/2020 £5,672.63 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: 3HAKXXQN7WLF/M5YELMTE 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 Bennett, Jones and Rogers Hiscox Underwriting 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:3HAKXXQN7WLF/M5YELMTE Name of policy holder:Bennett, Jones and Rogers Period of insurance: From Saturday 23 March, 2019 to 28/09/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/02/20 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: Saturday 23 March, 2019 Insurance details Policy number: 3HAKXXQN7WLF/M5YELMTE Period of insurance: From Saturday 23 March, 2019 to 28/09/25 both days inclusive. This policy isa Continuing cover policy. Insured: Bennett, Jones and Rogers Address: 0 Marie burg Ruthmouth FARNHAM M5 9PD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,583.91 Insurance Premium Tax (IPT): £7,420.10 Total charged premium: £5,672.63 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: £1,583.91 Insurance Premium Tax (IPT): £7,420.10 Annual total: £5,672.63 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 £4,941.35 Legal protection £100,000 £0 £9,289.79 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: Saturday 23 March, 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 17/02/20 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
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3HAKXXQN7WLF/M5YELMTE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 23 March, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UKVI_RXGLLD/FD Company name: Smith-Young It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UKVI_RXGLLD/FD. Company name: Smith-Young. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,740.33. £ 1,740.33. The premium includes all applicable insurance premium tax (IPT). Dear Dr Conor Dean. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/05/22 . 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. £8,601.49. £8,601.49. Legal protection. £9,452.18. £9,452.18. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-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 12/05/22 . 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 : UKVI_RXGLLD/FD Company name: Smith-Young . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UKVI_RXGLLD/FD Company name: Smith-Young . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,740.33 £ 1,740.33 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,740.33 £ 1,740.33 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Conor Dean . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/05/22 . 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 £8,601.49 £8,601.49 Legal protection £9,452.18 £9,452.18 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-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 12/05/22 . 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 12/05/22 . 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 £8,601.49 £8,601.49 Legal protection £9,452.18 £9,452.18 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith-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 12/05/22 . 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) £8,601.49 £9,452.18 £0.00 . This year’s annual Premium (exc IPT) £8,601.49 £9,452.18 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,601.49 £8,601.49 . Legal protection £9,452.18 £9,452.18 . 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: Conor Dean 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 08/09/20 £1,740.33 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: UKVI_RXGLLD/FD 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 Smith-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:UKVI_RXGLLD/FD Name of policy holder:Smith-Young Period of insurance: From 12/05/22 to 14/11/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/10/2021 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: 12/05/22 Insurance details Policy number: UKVI_RXGLLD/FD Period of insurance: From 12/05/22 to 14/11/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Smith-Young Address: Studio 22 Day port Warrenville FARNHAM L69 3LA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,981.77 Insurance Premium Tax (IPT): £2,114.24 Total charged premium: £1,740.33 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: £8,981.77 Insurance Premium Tax (IPT): £2,114.24 Annual total: £1,740.33 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 £8,601.49 Legal protection £100,000 £0 £9,452.18 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: 12/05/22 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 11/10/2021 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
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UKVI_RXGLLD/FD
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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12/05/22
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - N/LN-Z/ABBDT Company name: Smith, Collins and Marshall It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : N/LN-Z/ABBDT. Company name: Smith, Collins and Marshall. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,679.03. £ 6,679.03. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Tom Turner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/08/25 . 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. £6,043.51. £6,043.51. Legal protection. £2,076.43. £2,076.43. 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 Smith, Collins 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 13/08/25 . 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 : N/LN-Z/ABBDT Company name: Smith, Collins and Marshall . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : N/LN-Z/ABBDT Company name: Smith, Collins 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). £ 6,679.03 £ 6,679.03 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,679.03 £ 6,679.03 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Tom Turner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/08/25 . 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 £6,043.51 £6,043.51 Legal protection £2,076.43 £2,076.43 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 Smith, Collins 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 13/08/25 . 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 13/08/25 . 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 £6,043.51 £6,043.51 Legal protection £2,076.43 £2,076.43 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 Smith, Collins 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 13/08/25 . 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) £6,043.51 £2,076.43 £0.00 . This year’s annual Premium (exc IPT) £6,043.51 £2,076.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,043.51 £6,043.51 . Legal protection £2,076.43 £2,076.43 . 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 Tom 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 06 January, 2026 £6,679.03 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: N/LN-Z/ABBDT 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 Smith, Collins 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:N/LN-Z/ABBDT Name of policy holder:Smith, Collins and Marshall Period of insurance: From 13/08/25 to 07/10/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-09-25 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: 13/08/25 Insurance details Policy number: N/LN-Z/ABBDT Period of insurance: From 13/08/25 to 07/10/24 both days inclusive. This policy isa Continuing cover policy. Insured: Smith, Collins and Marshall Address: 437 Marc landing Lake Kevin FARNHAM YO1P 3PE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,312.87 Insurance Premium Tax (IPT): £1,736.61 Total charged premium: £6,679.03 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: £1,312.87 Insurance Premium Tax (IPT): £1,736.61 Annual total: £6,679.03 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 £6,043.51 Legal protection £100,000 £0 £2,076.43 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: 13/08/25 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 2025-09-25 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
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N/LN-Z/ABBDT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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13/08/25
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 6NIEQBP.GN/02H_N1T7DJ Company name: O'Donnell-Daly It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6NIEQBP.GN/02H_N1T7DJ. Company name: O'Donnell-Daly. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,806.87. £ 6,806.87. The premium includes all applicable insurance premium tax (IPT). Dear Ms Julian Taylor-Gregory. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/01/2020 . 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. £6,694.47. £6,694.47. Legal protection. £304.14. £304.14. 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 O'Donnell-Daly , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . 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 : 6NIEQBP.GN/02H_N1T7DJ Company name: O'Donnell-Daly . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6NIEQBP.GN/02H_N1T7DJ Company name: O'Donnell-Daly . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,806.87 £ 6,806.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,806.87 £ 6,806.87 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Julian Taylor-Gregory . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/01/2020 . 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 £6,694.47 £6,694.47 Legal protection £304.14 £304.14 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 O'Donnell-Daly , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . 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 18/01/2020 . 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 £6,694.47 £6,694.47 Legal protection £304.14 £304.14 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 O'Donnell-Daly , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . 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) £6,694.47 £304.14 £0.00 . This year’s annual Premium (exc IPT) £6,694.47 £304.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,694.47 £6,694.47 . Legal protection £304.14 £304.14 . 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: Julian Taylor-Gregory 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 01/01/20 £6,806.87 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: 6NIEQBP.GN/02H_N1T7DJ 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 O'Donnell-Daly Hiscox Underwriting 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:6NIEQBP.GN/02H_N1T7DJ Name of policy holder:O'Donnell-Daly Period of insurance: From 18/01/2020 to 2022-02-01 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 10 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: 18/01/2020 Insurance details Policy number: 6NIEQBP.GN/02H_N1T7DJ Period of insurance: From 18/01/2020 to 2022-02-01 both days inclusive. This policy isa Continuing cover policy. Insured: O'Donnell-Daly Address: 88 Gemma haven New Bethany FARNHAM WV9 7EF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,610.91 Insurance Premium Tax (IPT): £500.10 Total charged premium: £6,806.87 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: £1,610.91 Insurance Premium Tax (IPT): £500.10 Annual total: £6,806.87 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 £6,694.47 Legal protection £100,000 £0 £304.14 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: 18/01/2020 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 Monday 10 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
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6NIEQBP.GN/02H_N1T7DJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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18/01/2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ak_q_xc_rbcj_-jikbwcblh Company name: Bishop Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ak_q_xc_rbcj_-jikbwcblh. Company name: Bishop Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,712.67. £ 3,712.67. The premium includes all applicable insurance premium tax (IPT). Dear Mr Jason Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-05-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,321.75. £9,321.75. Legal protection. £6,077.84. £6,077.84. 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 Bishop 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 2021-05-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : ak_q_xc_rbcj_-jikbwcblh Company name: Bishop Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ak_q_xc_rbcj_-jikbwcblh Company name: Bishop Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,712.67 £ 3,712.67 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,712.67 £ 3,712.67 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Jason Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-05-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,321.75 £9,321.75 Legal protection £6,077.84 £6,077.84 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 Bishop 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 2021-05-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 2021-05-01 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,321.75 £9,321.75 Legal protection £6,077.84 £6,077.84 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 Bishop 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 2021-05-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £9,321.75 £6,077.84 £0.00 . This year’s annual Premium (exc IPT) £9,321.75 £6,077.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,321.75 £9,321.75 . Legal protection £6,077.84 £6,077.84 . 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: Jason 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 06/09/2022 £3,712.67 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: ak_q_xc_rbcj_-jikbwcblh 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 Bishop 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:ak_q_xc_rbcj_-jikbwcblh Name of policy holder:Bishop Group Period of insurance: From 2021-05-01 to 24 April, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 11 April, 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: 2021-05-01 Insurance details Policy number: ak_q_xc_rbcj_-jikbwcblh Period of insurance: From 2021-05-01 to 24 April, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Bishop Group Address: 22 Jackson point Port Sophiebury FARNHAM NP4 4ND Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,940.61 Insurance Premium Tax (IPT): £7,992.67 Total charged premium: £3,712.67 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: £3,940.61 Insurance Premium Tax (IPT): £7,992.67 Annual total: £3,712.67 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 £9,321.75 Legal protection £100,000 £0 £6,077.84 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: 2021-05-01 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 11 April, 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
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ak_q_xc_rbcj_-jikbwcblh
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2021-05-01
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - py-kz.apucjhidbhedmzst Company name: Hobbs, Coles and Davis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : py-kz.apucjhidbhedmzst. Company name: Hobbs, Coles and Davis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,890.44. £ 3,890.44. The premium includes all applicable insurance premium tax (IPT). Dear Dr Stacey Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/02/2024 . 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. £6,514.55. £6,514.55. Legal protection. £9,729.05. £9,729.05. 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 Hobbs, Coles and Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/02/2024 . 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 : py-kz.apucjhidbhedmzst Company name: Hobbs, Coles and Davis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : py-kz.apucjhidbhedmzst Company name: Hobbs, Coles and Davis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,890.44 £ 3,890.44 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,890.44 £ 3,890.44 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Stacey Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/02/2024 . 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 £6,514.55 £6,514.55 Legal protection £9,729.05 £9,729.05 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 Hobbs, Coles and Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/02/2024 . 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 06/02/2024 . 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 £6,514.55 £6,514.55 Legal protection £9,729.05 £9,729.05 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 Hobbs, Coles and Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/02/2024 . 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) £6,514.55 £9,729.05 £0.00 . This year’s annual Premium (exc IPT) £6,514.55 £9,729.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,514.55 £6,514.55 . Legal protection £9,729.05 £9,729.05 . 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: Stacey 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 15/01/2024 £3,890.44 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: py-kz.apucjhidbhedmzst 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 Hobbs, Coles and Davis Hiscox Underwriting 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:py-kz.apucjhidbhedmzst Name of policy holder:Hobbs, Coles and Davis Period of insurance: From 06/02/2024 to Fri 16 August, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17 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: 06/02/2024 Insurance details Policy number: py-kz.apucjhidbhedmzst Period of insurance: From 06/02/2024 to Fri 16 August, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Hobbs, Coles and Davis Address: 19 Claire forks Jeremychester FARNHAM SL4 4JL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,290.54 Insurance Premium Tax (IPT): £6,340.17 Total charged premium: £3,890.44 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: £1,290.54 Insurance Premium Tax (IPT): £6,340.17 Annual total: £3,890.44 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 £6,514.55 Legal protection £100,000 £0 £9,729.05 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: 06/02/2024 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 17 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
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py-kz.apucjhidbhedmzst
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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06/02/2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3TYG1Q0/M17 Company name: Wood-Simmons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3TYG1Q0/M17. Company name: Wood-Simmons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 115.69. £ 115.69. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Hugh Clarke-Adams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 January, 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. £2,868.29. £2,868.29. Legal protection. £5,281.49. £5,281.49. 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-Simmons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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 : 3TYG1Q0/M17 Company name: Wood-Simmons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3TYG1Q0/M17 Company name: Wood-Simmons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 115.69 £ 115.69 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 115.69 £ 115.69 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Hugh Clarke-Adams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 January, 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 £2,868.29 £2,868.29 Legal protection £5,281.49 £5,281.49 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-Simmons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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 15 January, 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 £2,868.29 £2,868.29 Legal protection £5,281.49 £5,281.49 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-Simmons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 January, 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) £2,868.29 £5,281.49 £0.00 . This year’s annual Premium (exc IPT) £2,868.29 £5,281.49 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,868.29 £2,868.29 . Legal protection £5,281.49 £5,281.49 . 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: Hugh Clarke-Adams 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 2022-04-04 £115.69 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: 3TYG1Q0/M17 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-Simmons Hiscox Underwriting 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:3TYG1Q0/M17 Name of policy holder:Wood-Simmons Period of insurance: From 15 January, 2024 to 2023-03-25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 26 June, 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: 15 January, 2024 Insurance details Policy number: 3TYG1Q0/M17 Period of insurance: From 15 January, 2024 to 2023-03-25 both days inclusive. This policy isa Continuing cover policy. Insured: Wood-Simmons Address: 576 Johnson stream North Dale FARNHAM WC92 6QP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,624.20 Insurance Premium Tax (IPT): £8,515.16 Total charged premium: £115.69 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: £5,624.20 Insurance Premium Tax (IPT): £8,515.16 Annual total: £115.69 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 £2,868.29 Legal protection £100,000 £0 £5,281.49 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: 15 January, 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 Wednesday 26 June, 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
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3TYG1Q0/M17
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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15 January, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - KCMBIUR_XWTD Company name: Hall-Macdonald It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KCMBIUR_XWTD. Company name: Hall-Macdonald. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 68.60. £ 68.60. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Janice Slater. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/02/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,495.29. £7,495.29. Legal protection. £2,169.83. £2,169.83. 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 Hall-Macdonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : KCMBIUR_XWTD Company name: Hall-Macdonald . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KCMBIUR_XWTD Company name: Hall-Macdonald . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 68.60 £ 68.60 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 68.60 £ 68.60 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Janice Slater . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/02/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,495.29 £7,495.29 Legal protection £2,169.83 £2,169.83 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 Hall-Macdonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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 21/02/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,495.29 £7,495.29 Legal protection £2,169.83 £2,169.83 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 Hall-Macdonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £7,495.29 £2,169.83 £0.00 . This year’s annual Premium (exc IPT) £7,495.29 £2,169.83 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,495.29 £7,495.29 . Legal protection £2,169.83 £2,169.83 . 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: Mrs Janice Slater 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 16/08/19 £68.60 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: KCMBIUR_XWTD 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-Macdonald Hiscox Underwriting 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:KCMBIUR_XWTD Name of policy holder:Hall-Macdonald Period of insurance: From 21/02/19 to 16 December, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-04-15 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: 21/02/19 Insurance details Policy number: KCMBIUR_XWTD Period of insurance: From 21/02/19 to 16 December, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Hall-Macdonald Address: Flat 4 Hayes ferry Franceshaven FARNHAM SY32 9AQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,439.16 Insurance Premium Tax (IPT): £1,781.86 Total charged premium: £68.60 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: £1,439.16 Insurance Premium Tax (IPT): £1,781.86 Annual total: £68.60 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 £7,495.29 Legal protection £100,000 £0 £2,169.83 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: 21/02/19 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 2025-04-15 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
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KCMBIUR_XWTD
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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21/02/19
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 7UEPHQ8HZX Company name: Vaughan, Richardson and Hughes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7UEPHQ8HZX. Company name: Vaughan, Richardson and Hughes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,075.60. £ 7,075.60. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Donna Welch. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-08-16 . 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. £6,028.20. £6,028.20. Legal protection. £9,903.33. £9,903.33. 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 Vaughan, Richardson and 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 2023-08-16 . 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 : 7UEPHQ8HZX Company name: Vaughan, Richardson and Hughes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7UEPHQ8HZX Company name: Vaughan, Richardson and Hughes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,075.60 £ 7,075.60 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,075.60 £ 7,075.60 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Donna Welch . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-08-16 . 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 £6,028.20 £6,028.20 Legal protection £9,903.33 £9,903.33 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 Vaughan, Richardson and 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 2023-08-16 . 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 2023-08-16 . 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 £6,028.20 £6,028.20 Legal protection £9,903.33 £9,903.33 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 Vaughan, Richardson and 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 2023-08-16 . 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) £6,028.20 £9,903.33 £0.00 . This year’s annual Premium (exc IPT) £6,028.20 £9,903.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,028.20 £6,028.20 . Legal protection £9,903.33 £9,903.33 . 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: Dr Donna 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 04 October, 2021 £7,075.60 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: 7UEPHQ8HZX 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 Vaughan, Richardson and 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:7UEPHQ8HZX Name of policy holder:Vaughan, Richardson and Hughes Period of insurance: From 2023-08-16 to 02/07/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/06/24 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: 2023-08-16 Insurance details Policy number: 7UEPHQ8HZX Period of insurance: From 2023-08-16 to 02/07/22 both days inclusive. This policy isa Continuing cover policy. Insured: Vaughan, Richardson and Hughes Address: 1 Gerard mission North Emmaport FARNHAM E0 3PL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,204.10 Insurance Premium Tax (IPT): £4,258.73 Total charged premium: £7,075.60 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: £7,204.10 Insurance Premium Tax (IPT): £4,258.73 Annual total: £7,075.60 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 £6,028.20 Legal protection £100,000 £0 £9,903.33 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: 2023-08-16 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 18/06/24 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
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7UEPHQ8HZX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-08-16
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - AP7OOISPI-/8QWYHP Company name: Allan and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AP7OOISPI-/8QWYHP. Company name: Allan and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,673.74. £ 2,673.74. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Stewart Barber. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/01/24 . 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. £8,695.37. £8,695.37. Legal protection. £2,082.25. £2,082.25. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allan 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 09/01/24 . 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 : AP7OOISPI-/8QWYHP Company name: Allan and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AP7OOISPI-/8QWYHP Company name: Allan 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). £ 2,673.74 £ 2,673.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,673.74 £ 2,673.74 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Stewart Barber . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/01/24 . 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 £8,695.37 £8,695.37 Legal protection £2,082.25 £2,082.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allan 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 09/01/24 . 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 09/01/24 . 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 £8,695.37 £8,695.37 Legal protection £2,082.25 £2,082.25 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allan 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 09/01/24 . 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) £8,695.37 £2,082.25 £0.00 . This year’s annual Premium (exc IPT) £8,695.37 £2,082.25 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,695.37 £8,695.37 . Legal protection £2,082.25 £2,082.25 . 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 Stewart Barber 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 16 April, 2024 £2,673.74 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: AP7OOISPI-/8QWYHP 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 Allan 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:AP7OOISPI-/8QWYHP Name of policy holder:Allan and Sons Period of insurance: From 09/01/24 to 25/03/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12 January, 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: 09/01/24 Insurance details Policy number: AP7OOISPI-/8QWYHP Period of insurance: From 09/01/24 to 25/03/21 both days inclusive. This policy isa Continuing cover policy. Insured: Allan and Sons Address: Flat 6 Christine club West Gailstad FARNHAM TS03 7TP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,852.65 Insurance Premium Tax (IPT): £7,159.98 Total charged premium: £2,673.74 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: £6,852.65 Insurance Premium Tax (IPT): £7,159.98 Annual total: £2,673.74 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 £8,695.37 Legal protection £100,000 £0 £2,082.25 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: 09/01/24 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 12 January, 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
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AP7OOISPI-/8QWYHP
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09/01/24
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - SSKKNAPKS8XVD/ORL Company name: Edwards, Hopkins and Franklin It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SSKKNAPKS8XVD/ORL. Company name: Edwards, Hopkins and Franklin. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 35.63. £ 35.63. The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ward-Spencer. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/09/22 . 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. £5,903.20. £5,903.20. Legal protection. £6,357.48. £6,357.48. 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 Edwards, Hopkins and Franklin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/22 . 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 : SSKKNAPKS8XVD/ORL Company name: Edwards, Hopkins and Franklin . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SSKKNAPKS8XVD/ORL Company name: Edwards, Hopkins and Franklin . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 35.63 £ 35.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 35.63 £ 35.63 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ward-Spencer . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/09/22 . 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 £5,903.20 £5,903.20 Legal protection £6,357.48 £6,357.48 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 Edwards, Hopkins and Franklin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/22 . 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 28/09/22 . 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 £5,903.20 £5,903.20 Legal protection £6,357.48 £6,357.48 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 Edwards, Hopkins and Franklin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/09/22 . 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) £5,903.20 £6,357.48 £0.00 . This year’s annual Premium (exc IPT) £5,903.20 £6,357.48 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,903.20 £5,903.20 . Legal protection £6,357.48 £6,357.48 . 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: Anthony Ward-Spencer 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 May, 2024 £35.63 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: SSKKNAPKS8XVD/ORL 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, Hopkins and Franklin Hiscox Underwriting 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:SSKKNAPKS8XVD/ORL Name of policy holder:Edwards, Hopkins and Franklin Period of insurance: From 28/09/22 to 12/07/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 04 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: 28/09/22 Insurance details Policy number: SSKKNAPKS8XVD/ORL Period of insurance: From 28/09/22 to 12/07/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Edwards, Hopkins and Franklin Address: 562 Brett gateway Lake Abbiebury FARNHAM KT81 2BX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,968.06 Insurance Premium Tax (IPT): £2,283.65 Total charged premium: £35.63 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: £2,968.06 Insurance Premium Tax (IPT): £2,283.65 Annual total: £35.63 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 £5,903.20 Legal protection £100,000 £0 £6,357.48 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: 28/09/22 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 Tuesday 04 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
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SSKKNAPKS8XVD/ORL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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28/09/22
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - PREPUHXJIXSS Company name: Craig-Russell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PREPUHXJIXSS. Company name: Craig-Russell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,477.71. £ 8,477.71. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jeffrey Harrison. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 10 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. £652.23. £652.23. Legal protection. £6,659.18. £6,659.18. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Craig-Russell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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 : PREPUHXJIXSS Company name: Craig-Russell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PREPUHXJIXSS Company name: Craig-Russell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,477.71 £ 8,477.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,477.71 £ 8,477.71 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jeffrey Harrison . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 10 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 £652.23 £652.23 Legal protection £6,659.18 £6,659.18 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Craig-Russell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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 Sat 10 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 £652.23 £652.23 Legal protection £6,659.18 £6,659.18 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Craig-Russell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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) £652.23 £6,659.18 £0.00 . This year’s annual Premium (exc IPT) £652.23 £6,659.18 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £652.23 £652.23 . Legal protection £6,659.18 £6,659.18 . 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: Jeffrey 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 Tue 11 July, 2023 £8,477.71 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: PREPUHXJIXSS 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 Craig-Russell Hiscox Underwriting 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:PREPUHXJIXSS Name of policy holder:Craig-Russell Period of insurance: From Sat 10 September, 2022 to 08 January, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-09-01 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 10 September, 2022 Insurance details Policy number: PREPUHXJIXSS Period of insurance: From Sat 10 September, 2022 to 08 January, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Craig-Russell Address: 698 Rhys shoals East John FARNHAM TW7 1PY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,060.34 Insurance Premium Tax (IPT): £5,071.69 Total charged premium: £8,477.71 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: £3,060.34 Insurance Premium Tax (IPT): £5,071.69 Annual total: £8,477.71 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 £652.23 Legal protection £100,000 £0 £6,659.18 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 10 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 2020-09-01 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
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PREPUHXJIXSS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 10 September, 2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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